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A good in-between step could be sending those sats to an onchain bluewallet. It's still a hot wallet but it's open sourced, wildly reviewed, very easy to recover.
The fees would be the same since it’s going to be moved anyway, so it’s best to send it to a cold wallet from the start. From what I understood, he doesn’t want a 20k UTXO — but to me, it’s much better to keep even a UTXO of that size on-chain.
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