That makes a TON of sense! Thank you!

So, the sats I have on Alby should just be the amount I plan to use regularly for zapping and such, and no more.

The sats I put into a wallet like Phoenix would be what I want available for short-term spending, or building up a bit until I put it into long-term savings.

And the long term savings would be the multi sig cold card thingy that @npub149cpdh5zsuc2ca3k2avegzmjskgm6cc3p252la00nevmn78wxcestjtnsg was talking about.