100k is a very small UTXO. While they exist, I don't recommend of that size because higher fees in future could use substantial percentage of value.
One alternative that some people do is use Liquid as a go between. This allows you to swap funds out of lightning via something like boltz.exchange, to an address you control, and then later consolidate those liquid transactions to a larger layer 1 bitcoin UTXO.
You really need to look trough your total costs though, whether paying swap fees, or considering current mempool fees, or future fees. I make an assumption that any UTXO may cost upwards of 50000 sats to spend in a high fee environment, and dont want to be trapped in an unspendable position.