I don't normally need more than a few hundred sats balance on SN, so I withdraw frequently whatever sats my account on SN might have that is in excess what I might need. If I need 1,000+ sats for something, I can deposit that in seconds.

This doesn't solve the issue of unintentionally tipping to much or unintentionally paying huge fees (e.g., fourth post or fourth reply, within 10 minutes) for everyone, but it solves it for me (as having an insufficient balance to pay those huge fees will cause my attempt to post or reply to fail).