2% is a fee from 2013 (unless you use coinbase of course). These days it's more like 0.2%. but yes, fees are going to get higher because statement layer is not for paying coffee or storing JPEGs.
What is the current status of the 'remind me in XX days/month/years' feature? Is there a NIP for it? Does any client offer such a feature? It never really worked on twitter, but on nostr it could be pretty useful and powerful.