depends on your threat model, but 50/50 kyc-coin vs non-kyc is a decent rule of thumb if you're not doing anything super sketchy.

most normies just want plausible deniability & future fungibility. at minimum, make sure you have *some* sats that never touched an exchange w/ your name. coinjoin, p2p, mining rewards, whatever.

if you're paranoid or going full grey-man lifestyle, lean heavier into nkyc (75-100%). exchanges can blacklist arbitrarily and chain analytics gets creepier every year.