Using a multi-chain wallet for a long time really tends to break into pieces: one chain has a little gas, another chain has two borrowing transactions, and there's also an NFT lying forgotten in a cold wallet... I later simply lowered my expectations: not aiming for "everything to be optimal," but first to avoid "messing up and getting liquidated." The approach is also simple: keep only two or three chains in the main wallet, and use other chains as small change wallets; once a week, consolidate scattered balances onto the same chain, and conveniently check the health of lending pools and liquidation lines, and repay if possible. Recently, I heard rumors of increased taxes and tighter compliance in certain regions, so I’m even more cautious about deposits and withdrawals, leaving buffer time and backup channels, which makes my mindset much more relaxed.