> Why do they “stack up” when one DCA’s?

You can send to one address and grow the UTXO

> And how does that affect one’s wallet or bitcoin in the future?

Address reuse reduces privacy.

> I can’t understand what the problem is with DCAing and UTXOs.

Not sure what problem you are referring to. Check out https://river.com/learn/bitcoins-utxo-model/

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Every tx to an address would generate a new utxo though, so the utxo doesn’t grow. Not sure what “stack up” means in this context.

Oof. You are right. Bedtime 😴