Unpopular opinion:
Large UTXOs are overrated
People underestimate how much the sats will be worth if and when you spend them
Define “large”
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I use to think 1 million minimum but even I am underestimating the value of 0.01 Bitcoin.
Transaction fees are not denominated in fiat, they’re denominated in sats per vbyte. It doesn’t matter how much a million sats is worth in fiat.
I see the angle you are looking at it from. 10-4.