you don't have to worry about it really. it only becomes an issue if you do many transactions in a row. imagine you have 100 XMR (yay!) and you pay 10 XMR for something, and you only had that one 100 XMR output. now you have 0 XMR you can spend for about 20min - annoying. instead, imagine you had 100 XMR, but this time you have 4 outputs of 25 XMR each. now you can make 4 txs in a row, provided each one doesn't go above 25 XMR (or there would be 2 inputs consumed, and the change from the tx will get locked for 20min).