If you use a good wallet like sparrow wallet you can simply use a new receive address for every utxo and then choose which ones you want to spend from using the built in coin control.

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Thanks.

Do you think that a new wallet for every utxo is overkill, or just potentially confusing?

I asked because each of them is a secret that shouldn't ben shared.

Why would you use a new wallet? You use a new address, and manage the utxo’s in the single wallet. Then you can combine them as well if your spend is more than a single utxo. There are only disadvantages of creating multiple wallets (e.g. how do you secure them).