No problem , I'm new to all this too .

The way to keep UTXO's seperate is simple :

Make sure they are never used as inputs for a transaction along with KYC UTXOs.

I wouldn't recommend Ledger for this because I don't think they allow a lot of control over which UTXOs get used in a transaction.

If you send funds from a ledger "account" does it only use coins from THAT account ?

I'm not so sure actually .

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That's definitely working in your favor, but I wonder for example if you had 1000 sats in one account and 1000 in another and you went to send 1500 from your ledger would it "cross over " and use utxos from both accounts to complete the transaction. That would be a BIG no no.

No, i don’t think that’s possible, because you need to choose the accout you want to spend from and if theres not enough funds in it you can’t do it

The I'd say that all looks goods. Just keep funds (utxos) in separate accounts and only spend from those accounts accordingly .

I hope i can buy a second HW soon. This should be just a temporary solution 🙏