I have a savings UTXO and several others for spending. But you could also break it apart and wash it at a later time if you need to spend some of the savings UTXO.

Or multiple savings UTXOs depending upon how you hodl

CAREFULLY. IT IS MORE OF AN ART THAN A SCIENCE.

I was wondering the same thing. If I mixed in Samurai Whirlpool and generated several 1 million sat UTXOs wouldn't consolidated those UTXOs reverse the privacy gained from mixing?

An L2 wallet like SideSwap can be useful to consolidate utxos, downside is moving in and out of liquid is not free and you’re trusting they’re not logging your receive addresses.