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You should care. Opening a LN channel with 100utxo each one of 30k is not the same as opening with one utxo of 3M sats.
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Excellent point. UTXO management is very important. Balance between minimizing fee rate and not holding all your value in one basket.
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I only use on-chain once a month when selling my fiat. Its like 12 utxo per year, big ones. For me UTXOs are not an issue.
For a newbie that is constantly DCA'ing small amounts, that will be a problem.