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.
And an easy way to solve this is by investing in the first year with Wallet A. And in the second year you invest you can create wallet B and so on. So it's not wrong and it's very simple to do. With the method you explained above, beginners may be a little confused about taking important points with the actions they must take. So it's better to arrange better investment planning before you are ready to run it.
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
Actually, an idea like that is not good and we should invest with money that we have prepared, for example 10% and it will not interfere with our daily expenses because we still have cash that we have because we only divert 10% to invest in bitcoin. Don't use a strategy that is wrapped in a wrap that makes you even more dizzy in making decisions, run me in a simple way and that's better.