Important to note that it's a good idea to NOT consolidate them into one giant UTXO for privacy and security reasons. Bitcoin Layer 1 is a transparency chain and broadcasts your wallet amount to the world. Purchasing something for 1mil sats using a UTXO containing 5 bitcoin will show up on the blockchain as the entire size of that UTXO, the payment AND the remaining balance. In a perfect world, you would create UTXO's for the exact size you'll need them later, however this is practically impossible. Creating smaller ones of say 1mil each provides some protection even though the fees would be higher then having a single UTXO. Real world danger, in the situation of a malicious partner, if they look at the blockchain to verify the transaction and see you have a remainder of 4 btc, you could be in big trouble..