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Lately I've been a bit conflicted; the feeling of "settling in and feeling at ease" on the mainnet is still there, but gas fees can be very discouraging when they spike, especially for small transactions back and forth—it's like the experience turns into rewarding miners. My compromise approach is pretty simple: for frequent daily interactions, use L2; if I need to hold long-term or require higher certainty, I choose a relatively moderate gas window to switch back to the mainnet, do everything in one go, and avoid too much hassle.
Additionally, I keep an eye on two things: first, the bridge route shouldn't be too complicated—avoid crossing multiple bridges if possible; second, don’t lock your funds in a bunch of "unintelligible routing" just to save a few bucks, as that can lead to more costly issues. Recently, discussions about rate cuts, the US dollar index, and risk assets fluctuating wildly have been quite noisy; when emotions run high, people tend to move around more, but then gas fees and congestion pull the experience back to reality. Anyway, my current principle is: if I can take a slower step, I will; first, figure out the route and costs clearly before confirming.