Ok got ya.

I hold long term anyway because another major problem I have with fold is they don't have lightning withdrawals. So I want to amass a large enough UTXO to be worth holding onchain. That's about 1mil sats for me. So that takes a long time to amass in rewards.

They do separate the rewards sats from the sats you buy (roundups, direct deposit) so those you can move to cold storage without tax implications.