I really open the lending dashboard every day like taking my temperature... When the mainnet gas is high, I get scared, even though I want to move some funds, I see the dozens of dollars in fees and pull back my hand.

Later, I came up with a pretty crude compromise: small amounts, frequent operations, just drop to L2, transferring back and forth is more convenient;
If I really need to do big things (like repayment, leverage, or avoiding liquidation), I go back to the mainnet, it's expensive but gives me peace of mind.
For cross-chain transfers, I also try to choose bridges with more users; if it's slow, so be it—don't save a little money to gamble on accidents.

Recently, I’ve been staking/sharing security with that “yield stacking” approach, and it feels a bit like a layered scheme...
The interest looks attractive, but the longer the chain, the more it seems like adding leverage to unknown risks.
Anyway, I prioritize experience and staying alive first, profits can come later.