This concerns me too. Only pragmatic thing I do nowadays when orange pilling/paying people is get them on Aqua Wallet, pay via Lightning and then tell them to convert to onchain if/when they have X amount of sats at a future date, so they don't have the value 'trapped'. But of course, as things change, so will that minimum X onchain amount. All ears if there is a better way!

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This is similarly how I approach it too. I think it's de facto strategy now. Accumulate on the exchange a reasonable amount of bitcoin and then send it to cold storage as a single but bigger UTXO.