I am thinking it may be wiser to pay off your house in the future with KYC sats than with coinjoined or non-KYC sats.

Therefore it may be good practice to keep both KYC and non-KYC sats rather than coinjoining your whole stack.

1) If the house is in your name then the payoff doxxes your UTXO addresses used.

2) If the sats used to payoff are already KYC'd, then theres no proof that you have other non-KYC'd UTXOs to try to force you to reveal to the IRS or banks.

Am I overthinking this?