Thank you, that is actually helpful. It raises a privacy concern that I had not considered before. I had considered backwards looking privacy issues, but not forwards looking. If I have a UTXO of any meaningful amount in the future and make a transaction, the recipient can see the change and know to some extent how much bitcoin I have, right? Therefore it may be prudent to have UTXOs of a decent size for cost savings but not large enough to reveal meaningful holdings.