That depends on what you think the fee will be at the time you plan to spend. If hyperbitcoinization happened today, how many UTXOs would be stranded?

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I dont know, thats what makes it hard 😔

Slow down & breathe then. Hyperbitcoinization isn't happening today.

Like fiat dollars, keep some 1s, some 5s, a few 10s and 20s, maybe a couple 50s, and a 100. I used to say, "carry some quarters too," but those days are past. 😉