I have a savings UTXO and several others for spending. But you could also break it apart and wash it at a later time if you need to spend some of the savings UTXO.

Or multiple savings UTXOs depending upon how you hodl

CAREFULLY. IT IS MORE OF AN ART THAN A SCIENCE.

An L2 wallet like SideSwap can be useful to consolidate utxos, downside is moving in and out of liquid is not free and you’re trusting they’re not logging your receive addresses.