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Lately I've been a bit conflicted: transferring on the mainnet feels more reassuring, but when the gas fee is high, it feels like I'm forced to buy an "emotional tax"; the L2 experience is indeed smooth, just a couple of clicks and it's done, but the thought of crossing back and forth makes me a bit uncomfortable, especially since cross-chain bridges have been having issues lately—who dares to confidently say there's no risk at all.
My current compromise is pretty basic: for large, long-term holdings, I try to keep them on the mainnet, even if it's slower and more expensive; for daily interactions and small activities, I use one or two convenient L2s, avoiding jumping around everywhere. I also have a small habit—when I see on-chain quotes suddenly go off (like when oracles glitch), I just wait a few minutes for confirmation, don’t argue with myself, because saving a second might cost me a sleepless night… Let’s see.