I do 3M says now for any long term storage. Usually let it accumulate onnostr:npub1ex7mdykw786qxvmtuls208uyxmn0hse95rfwsarvfde5yg6wy7jq6qvyt9 till I have enough and do a no fee withdraw. I used to do 500K but think that is too low now as I expect fees to rise with network adoption