That assumes there's something I would spend it on, besides zaps.

Maybe I need to look into setting up something on the blockchain for savings...

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Yes, best practice is to consolidate relatively large amounts of BTC into one transaction/UTXO in a cold wallet. A cold wallet being a dedicated device or computer that is not necessarily always online and is used less often than a lightning wallet for on-chain transactions. Unlike a lightning wallet which are always online and are considered hot wallets with lower security and more risk of loss of funds.