Thank you! This made it click for me! So, UTXOs are like individual dollar bills, and for convenience, a wallet tallies them up into a single number for me. If I want to pay for something that is smaller than my smallest UTXO, it's like if it was possible to tear a paper bill in half, where the person I paid gets part of it, and I get part back as change, and it's still separate from the other "bills" in my wallet?