I don't completely get the UTXO thing, to be honest. I just got an inkling of it, when researching paper wallets. You end up needing lots of paper wallets because you can't spend a part of one. I somewhere picked up the 100k sats withdrawal rule, so I've been sticking to that. Don't know if it's a good rule.
It's a hurdle. I have some Bitkeys ready to give to some friends from Mexico who totally understand the money problem because they still remember when Mexico switched from the old peso to the new peso and overnight their grandmother's savings in pesos stuffed in the walls became worthless. So they are primed for Bitcoin, but now I have to explain why to only transfer large amounts to Bitkey and worry if Bitkey won't combine the utxos if they send too small quantities.