But remember that the primary purpose of creating Bitcoin is for p2p transactions to bypass third parties like going through banks. I believe that inasmuch as we're hodling Bitcoin on the long term for investment purposes to keep getting ROI in the future, this shouldn't stop us from spending some of it on the short term. If you remove the percentage for your DCA method, I believe that you can choose to pay for items with Bitcoin, hodling Bitcoin shouldn't eliminate the need to spend it on the short term. If you have a budget for your expenditures from your income and you've removed the percentage for DCA into the long term, you can leave some of the amount in Bitcoin for short term expenditures.
Money meant for expenses and money kept for investment are different. It is very wrong to spend on items from your investment portfolio, that is a bad idea. It is a criterion to have several wallets. One wallet should contain the amount of BTC you want for spending and the other should be specifically only for your investment alone. You can't be spending so much fees every time you spend from the same wallet you are using to invest.
You proposed that it would be advisable to have 2 wallets one meant for spending and one meant for holding but what is the need of converting that money to Bitcoin if you know you are going to spend it
I'm just saying if you are in need of that money when Bitcoin is in a deep you will end up running at a lose why not just keep the money in your local currency where its worth won't depreciate when it's needed and only buy Bitcoin that you intend to invest ?
Well this is just my opinion by the way