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I just experienced a network congestion again and realized that many people think "click and it's done," but in reality, the transaction first goes to the mempool for queuing, like parcel pickup and sorting. If you set a lower fee/tip, you might be left waiting, waiting for the block to change or the pool price to slide away, and in the end, it either costs more to complete or fails outright, wasting some gas... To put it simply, during congestion, you're competing with a bunch of people for position.
Now I prefer: for small amounts, just wait patiently; if I really want in, I tighten the slippage, split into batches, and don't just go all-in trying to force into the queue. Looking at the spiral of inflation plus studio mining and selling in blockchain games, many times it's also "everyone wants to run first," and the anxiety of racing in the mempool gets amplified—when the price slides, no one looks good.
By the way, a little mindset: recently, I was quite into following various "quick signals," but after losing money on congestion a few times, I got a bit annoyed and unfollowed... now I only keep a few that really focus on execution details, at least I can understand and use them. That's all for now.