My slowpoke self, choosing between Layer 2 and the mainnet is actually pretty simple: for everyday small transactions, just use L2, saving gas and it’s convenient; if you’re dealing with large amounts or contracts/governance where “bad things happening and crying is not good,” then go back to the mainnet, it’s more expensive but more reassuring. The most annoying part is bridging back and forth; I usually wait until the third time I need to move funds before transferring everything at once, otherwise the round-trip fees will wear you out. Recently, there’s a public chain upgrading, and everyone in the group is guessing whether the ecosystem will move; I think there’s no need to rush into the hype, wait until the chain confirms stability and transactions aren’t congested… taking it slow is not shameful.