I'm just an ordinary person who keeps an eye on on-chain tags every day. When it comes to choosing between L2 and the mainnet, there are basically two points: saving gas and not losing yourself.

For small, high-frequency transactions, I mostly use L2. The experience is indeed smooth, and I don't mind transferring back and forth; it doesn't hurt my feelings.
But when it comes to large amounts or operations that require accountability if something goes wrong, I still honestly go back to the mainnet. It's more expensive, yes, but at least I feel at ease.

My suspicion about bridges is even more obvious: new bridges, hot bridges, those that hardly anyone uses—I’d rather pay a bit more in fees than gamble.
Anyway, if I see something abnormal on the chain (TVL suddenly drops, contract permissions look weird), I withdraw first and ask questions later.

Recently, someone has been explaining all the ups and downs with ETF fund flows and US stock risk appetite… Just listen to it. When emotions run high, it’s easiest to randomly authorize things in L2, and in the end, it’s not gas that loses.
That’s all for now.