Typically in investing you like to keep your annual fees under 1%.

Picking 5 year average hold time means you'd be willing to pay 0.2% fees on an utxo.

The current feerate is 43 sat/vB which works out to 10k sats or a minimum utxo size of 5 million sats => 0.05 btc.

Here it pays to watch the fee market and consolidate utxos when this 0.2% threshold is hit.