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I'm currently using an L2 mindset that feels like "fuel-saving mode": small daily interactions, transferring back and forth to just leave it in the second layer, the experience is indeed smooth, and the gas fees are not so painful every time I click. But when it comes to storing large amounts of money for the long term, I still prefer to go back to the mainnet and relax there. It's more expensive, but I sleep better... Anyway, I'm someone who tends to avoid trouble.
Recently, there's been talk about testnet incentives, earning points, and whether the mainnet will issue tokens. To be honest, I'm a bit slow on the uptake; others are studying the rules while I'm still debating whether to open a few more wallets (but then I thought, never mind). My compromise is twofold: keep a "daily wallet" on L2 for regular use, and another "position wallet" that I try to keep static; once it reaches a certain amount, I rebalance and also trim down my emotional attachment.