Isn't more about what percentage of the utxo you would have to pay in fees? For example, if my 1mm sats is now worth 5000$ instead of 500$, I would be much more willing to pay 50$ to transfer it, as it is lower in % terms?
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When calculating fees in USD you should always have in mind that as the value of UTXO goes up so does the value of fees but you pay the same fees regardless of the UTXO size
I personally don’t like to hold UTXOs larger than 0.1 BTC because when Bitcoin is worth a million of $$$ that UTXO value is significant but as minimum I am comfortable with anything above 0.01