I appreciate you posting this. It both made me feel better about my path in this bitcoin journey as well as having patience and compassion for others in their journey. I sometimes get anxious when I get comfortable with my setup and then find that there is more to consider like UTXO consolidation. I also have found myself pushing back on people interested in the ETFs. I recently had to remind myself that something having risks doesn't mean it can't be a net positive for some people. Everyone's values, priorities, use-cases, and threat models are different so I'm trying to be more intentional about matching advice with the unique needs of the person I'm talking to. 

 thanks, I kind of wrote it as a personal reminder to myself of these things, but I figured I'd share it in case it helps others