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Honestly, I’m pretty lazy about the whole multi-chain wallet thing. If you make me install a bunch of plugins for every chain, I definitely won’t remember the private keys. So right now I just stick to a single watch-only wallet, dump the addresses from each chain into it, and quickly scan everything in one glance. Besides, the whole “testnet points and mainnet token issuance” routine—I never really bother to calculate it in detail. Do you think every chain you interact with will definitely issue tokens in the end? Don’t say that so early.
My habit is: no matter where I’m interacting, I only use a small- to mid-sized wallet for interactions, and keep all the big positions in hardware wallets. For chains I’m not interacting with, I simply don’t bother. This way I’m not anxious. Even when I see congestion and gas jumping around, I can just watch with a cool head.