The Ops were the ones running around telling everyone to consolidate at 50sats/vB because block fees were going up forever.
Fees spike but they come back down.
There's no evidence to suggest fees go up in sats terms. In terms of purchasing power they will go up massively. But then that 100K sat UTxO will buy you an awful lot too.
We went from proof of keys day once a year to take your sats off after every buy. I know dudes who took their weekly DCA off the exchange each week.
You don't know what your future spending needs will be like. A mix of UTxO sizes may be useful if you suddenly decide to value your privacy.
Using 2 or 3 UTxOs isn't the end of the world in terms of fees.