I think of it like gold nugget management. I can spend from a nugget at the cost of a fee. if I want to spend with 3 nuggets I need to spend 3 fees for that transaction. the fee scales with however many nuggets I use at the time I spend not with the size of each nugget. On the other hand. Everytime I spend the public gets to see all the nuggets I pull out to spend. the tradeoff is between fees and privacy. you should figure out what you care about and manage your nuggets accordingly.