It’s already the case that you don’t know how much it’ll cost you to transact in the future. That is, how much value (non-fees) you’ll get out of spending UTXOs you hold. In this way, covenant UTXOs guaranteed to you, and non-covenant UTXOs you have are not all that different.

The covenant case does mean it’ll take two TXs to move funds to someone else. This is why further densification is also desirable, such as Cross-Input Signature Aggregation (CISA) as Guy mentioned.