Multi-chain wallets really turn people into pack rats... Asset fragmentation ultimately isn't about calculating returns, but about remembering where you stored what in your mind. My simple method: one main wallet acts as a "storage" for long-term holdings; then I split into two or three "spending wallets," only using a few fixed bridges for cross-chain transfers. I'd rather pay a little more in fees than jump around everywhere. Every time I bridge, I record a note: which chain to which chain, and what it's for. Otherwise, after a couple of days, seeing a bunch of small balances makes me start doubting everything.

And then there are those "nested" systems that involve re-staking, shared security, and yield stacking. Honestly, the more layers you stack, the harder it is to reconcile accounts, and when problems occur, it's even more difficult to pinpoint which layer caused the explosion. Anyway, I now prefer to accept slightly lower returns if I can clearly see where the risks are, so I can sleep more peacefully.