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You mostly need many UTXOs if you are sending a lot of transactions in small time windows. For a personal cold-storage wallet, I don’t see why you’d go bigger than between a dozen or a score. Not sure why you’d want to make them all the same size.

For 0.5 BTC, I suppose you could do something along the lines of:

  • 0.2 BTC
  • 0.1 BTC
  • 0.05 BTC
  • 3× 0.02 BTC
  • 9× 0.01 BTC