If you mostly save with Bitcoin and have a small stash of Monero that you are constantly using up and replenishing periodically, your exposure when this happens is fairly negligible

I'm not telling you to do this. I'm just saying it really is not a big deal in my experience. 

I experiment with the tools you mentioned too like ecash, lightning, and coinjoins. Each one has it's own advantages and downsides. I like the simplicity yet strong privacy of Monero personally and that is what I use the most for transactions.