I think that if you have bitcoin in cold storage or anywhere that is self custodied, in order to transact you have to send a portion to a wallet that will then allow you to transact. These can be custodial (wallet of Satoshi) or non custodial (have no idea how this works. I think you have to set it up yourself?)

What makes sense to me is to only send the amount to your wallet that you are going to spend. That way you don’t have to convert back in the other direction.

Don’t know if this addresses your question/concern.