What's your mental framework for deciding how to consolidate bitcoin utxos?

Consolidate too much and risk privacy, consolidate too little and lose sats/efficiency on future spends.

What's your 'sweet spot'?

What's your way of thinking about it?

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I just consolidated everything into 2. One for KYC and one for non KYC. I don’t like the idea of being slammed with massive fees at some point in the future.