Newbie Question About 0.01 BTC and Future Transaction Fees

I’m still learning about Bitcoin transaction fees and UTXOs, and I often see people recommend 0.01 BTC as a good goal for beginners.

Is this mainly a psychological milestone, or is there a practical reason behind it? For example, if on-chain fees rise significantly, could balances much smaller than 0.01 BTC become too expensive or impractical to spend?

I’d appreciate it if someone could explain in simple terms how to determine whether a UTXO is large enough to hold long-term.