Its hard to know, but having a 10m sat UTXO is quite big. Remember whatever it is, it will cost the same for both.
Also CTV might bring a more stable fee environment.
Its all speculation, but I'm interested if anyone has done any studies into this
Discussion
In the future you're not going to spend on chain but from time to time you'll want to move a significant amount from your cold storage to whatever layer 2 solution we're all spending on. You'll want to do a large amount at a time to make it economical. Maybe a million sats. You definitely won't want to have UTXOs of less than a million sats sitting in your cold storage.