I have a savings UTXO and several others for spending. But you could also break it apart and wash it at a later time if you need to spend some of the savings UTXO.
An L2 wallet like SideSwap can be useful to consolidate utxos, downside is moving in and out of liquid is not free and you’re trusting they’re not logging your receive addresses.
Anyone have a site or reference for multisig fees with multiple inputs using legacy addresses vs using native segwit multisig? i.e. unchained vs nunchuck?