Wait! What's a UTXO??? I feel like I don't want that to be unusable in the future!!

Now is the time to "consolidate uxtos" because fees are practically free. If its all at coinbase, its all paper(fake) bitcoin so you don't have any UXTOs. When you transfer it to your multisig wallet (stamped in steel and geographically distributed) from coinbase it will be all in one UXTO, so dont worry about it. In the meantime, do some self education on how to manage your bitcoin wallet and how to self custody without doing something stupid. BTW @jack (yes the real Jack Dorsey) just posted a link to you about to bitkey, this is an option designed to help people like you self custody more easily.