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This is exactly the thought process I have been going through.
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At the moment when buying something on chain and the change is small, I line it up with a LN swap or liquid peg in. That way I'm avoiding future onchain dust.
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Its hard to know. People freaking out about fees (I'm one of them!) can't really say that we're going to have a dead mempool again.
100k sats for this epoch sounds about right, but long term I think 1 million sats should be good standard to go by.
Lightning and other L2's are not ready for mass adoption yet. A lot of OG bitcoiners only transact on chain so it will take time for them to move up a layer or 2.
Then there's the whole issue of consolidating UTXO's and sacrificing privacy which is not ideal either.