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You only need like 10-20k sats to bump, if you have utxos smaller than that, that is probably a problem
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Here’s 2 examples from FCs from a few hours ago.
This CPFP needed 2 utxo, where the 2nd was big enough to go solo had it used largest selection - https://mempool.space/tx/d46cedf4e5b85dfde09b4ee4cfb713214e0956a6d6c932caf39195f0faa9bb65
Here is a 6 utxo CPFP (maybe they didn’t have a utxo large enough) - https://mempool.space/tx/039ae9e76659454b59412fb6cc63e22dfe621f967d22e424a953d8984430f1da
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oof paying 175k sats ($75) just to fee bump their anchor. definitely needs better fee estimation, mempool space is saying their effective fee rate is 4x over
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Except when your node has to CPFP anchors or stage 1 sweep htlcs. Carrying an extra input utxo (or 5) at 200 s/vB because it didn’t select a utxo big enough is pretty painful.
IMO, if privacy is the goal, avoid using the hot wallet altogether.