Maybe people working low pay jobs putting $25-50 per month (if that) into bitcoin may not even need to think about sending bitcoin to a L1 wallet, at least for a while?

Although, what might be considered a small utxo in usd terms might be larger in future terms. Right now 100k sats is worth between $42-44 where in the future could be worth $1k. But even then at $1M per BTC, that's still not a lot of money, especially in the future as the dollar is worth less.

At a bare minimum what amount of sats is a safe amount to start moving into a L1 wallet in a single utxo? And for those doing utxo management to fix bad utxos (other than waiting for low fees) would it be better to think in terms of percentages relative to an individual's stack? E.g. if you had 20M sats split utxos into 4 equal amounts of 5M per utxo?

And for the other end of the spectrum is there a utxo too big?