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 Do you know about the lightning network? 
 Yes i do sir. We have legacy, segwit & lightning. So it's ok to store all my BTC in lightning? Instead of segwit? 
 Great! You understand more than I thought you might. 

Right now It boils down to budgeting. If you don’t transfer enough to justify the cost then you should just keep stacking and stop spending. 
 Yeah i agree. I just bought my first cold wallet. I would like to store on my own wallet instead of exchange. I just cannot bear with the fee at this moment. 

Maybe i need to stack untill 0.1 btc ish only then it's worth it