I now basically treat the mainnet as the settlement layer and L2 as the daily layer: small transactions and frequent operations drop L2, only going back to the mainnet for long-term holdings or large swaps to save gas and avoid hassle.

Before each cross-chain transfer, I check the route of the bridge, the arrival time, and whether I can accept the potential delays; then I look at the collateralization ratio and liquidation threshold on the lending side, so I don't push my positions to the edge just to save a few dollars in gas—being liquidated once costs much more than gas.
And for those new L1/L2 projects trying to boost TVL with incentives, I understand why a bunch of veteran users in the group complain about “mining, dumping, and selling”… I usually don’t chase hype, at most I try small positions to test the experience. If the interest spread isn’t enough to cover the costs of moving back and forth, I just stay alive.