Here's the deal. You want as large UTXO as you can. When you pay someone you don't want to have to use a bunch of small UTXOs because this will increase your fee onchain. Each UTXO also has a history so when you use multiple UTXOs in a single transaction you decrease your anonymity. If one of those UTXOs can be traced back to your identity then all of them will be linked.

The question is what will be the buying power of bitcoin long term. We dont know. Also, for such a small about as 100k I would not sweat having it in lighting but I'm not in your situation.