My current approach is basically: for daily small interactions, I use Layer 2, which saves gas and runs smoothly; if I need to put aside a "sleeping-on-my-mind" amount of money, I still go back to the mainnet, it's more expensive but more reassuring. To be honest, you can't have both perfect experience and security at the same time, so I categorize based on the amount.

Recently, I see everyone comparing RWA, USD bond yields, and on-chain yield products all together. My first reaction isn't which one is more attractive, but rather "what is supporting these yields, and who did I authorize." For safety, I prefer to take an extra step: after using a new protocol, spend a minute to change the authorization to a limit or revoke it directly. It's a bit troublesome, but better than chasing after your wallet crying later. Anyway, gas can be saved, but don't skimp on permissions.