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Using multi-chain wallets for a long time really makes it feel like a drawer that gets more and more cluttered: mainnet, L2, all kinds of small chains, assets split into a bunch of "change." My current approach is pretty old-fashioned: first set a "main wallet" as the general ledger, and the others are all tool wallets; once a week, on a fixed day, consolidate the scattered assets into two or three commonly used chains, and make a quick note—not for others to see, but to prevent myself from forgetting which chain is still holding onto some gas fees.
There's also a small habit: only keep one clear purpose for each chain, like holding stablecoins for cash flow, or risking positions as experimental fields. Don’t mix them up, or a wave of market volatility will make you panic. Recently, seeing the kind of inflation + studio bots pulling and coin prices dropping, spiraling into chaos, I think "fragmentation + emotional reactions" are a double kill. The more chaotic the wallet, the easier it is to get impulsive.
Anyway, I’d rather have fewer opportunities, even if it means less chance, to keep the risk frequency from being jarring… Do you manage with spreadsheets, or just let it grow chaotically?