When figuring out this my advice to people I orange pill is to always assume that Bitcoin is worth 100.000 or a million $$$ and then think how much in today’s dollar value are you comfortable having in a single UTXO

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?