My current principle for multi-chain wallets is: less and clear.

If addresses can be reused, don't open a bunch of new ones; if you need to separate, do it by purpose—main wallet, interaction wallet, test wallet—don't split by "today's mood."
Every time a swap fails, I can review it based on gas and slippage, but asset fragmentation is the most annoying "chronic disease," spending half a day not knowing which chain or wallet the money is on, and it instantly ruins your mood.
I'm not most afraid of slowness, but chaos: slowness at most makes you wait a few minutes, chaos means you don't even know what you're waiting for.

And recently, those large on-chain transfers and hot/cold wallets of exchanges get called "smart money" just for moving funds; seeing this too often is really tiring...
Honestly, you don't even keep a clear record of your assets, following interpretations only makes it more confusing.
My own simple method: reconcile once a week, write down chain + address + purpose in a spreadsheet; try to use fixed routes for cross-chain transfers—don't bridge from A today and B tomorrow, saving a bit on fees, but wrecking your mental ledger.
Anyway, I prefer fewer operations, rather than turning myself into a multi-chain refugee.