Anybody know if you do daily buys of saying $10, and after 100 days you send that from the exchange to your wallet ($1,000), is that 1 UTXO or 100? It’s not real Bitcoin unless it gets sent so, it would be 1 UTXO?

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You will have 1,000 dollar one utxo

One big one!!!! Haha

Is it fine to only have big ones $1,000-5,000+

Its best too. If really don't plan on spending yes. You can always manage utxo's in your wallet at any time. You can join some make more whatever you want