My current approach is quite "rustic": don't pursue a single wallet to manage the whole world, first layer the chains and separate the uses, which makes it less likely to get messy. The main wallet only holds long-term positions and voting-related assets, and try not to move them; for daily interactions, open a separate one, where you can put authorizations, airdrops, NFTs, and the like, so if something goes wrong, it won't affect everything. Leave some fixed gas balance on each chain to avoid emergency cross-chain rescue.

Asset fragmentation is actually not about the amount, but about forgetting "why this money is here." I always write a quick note in the remarks when transferring (like "voting for proposal XX" or "testing new protocol"), and add a simple table, so a weekend glance is enough.

Recently, everyone is again interpreting ETF inflows and outflows, US stock risk appetite, and crypto market rises and falls as interconnected... I also watch, but honestly, what others say is one thing; if you can't do a good job of on-chain authorization and asset partitioning, no matter how good the market is, you won't sleep peacefully. That's it for now, slowly improving.