Still need to be mindful of having just one large one. Reason is when you spend the size of your stack will be revealed. Spending a whole coin utxo today to buy a T-shirt for 50 bucks creates a change ouput of 27,000 dollars worth of sats for example. Me personally I  think it’s good to have a few smaller ones depending on your spending habits of course. It’s very subjective and I realize everyone’s situation will be different. 

 Yep. My response assumed one would continue to stack on a consistent basis for years to come. 

For people looking to get in now and do a one time allocation then having a single utxo is not ideal for the reasons you mentioned. 

 Yep. That said I cleaned up some two months worth of utxo’s while I slept last night at 4 sat/vb. Rinse repeat