Anything less than 100k will be almost certainly unspendable L1. I would keep all UTXOs 500k+

The average hodler will probably be spending out of cold storage when 1BTC = 1 median home, but it’s important to remember that this is cyclical. Last cycle, lots of hodlers were spending when 1 BTC = 1 nice car, and the threshold for spending will always increase overtime.

Put into other words, you should always be able to trade 1 Bitcoin for more real goods over time.