Before you can perform any transaction, it is expected that you check the mempool to see how congested it is or not, this will give you also the clue on the transaction fee, if you also make use of a wallet that enables you to customize your fee before performing a transaction, it will still be something you will find more interesting to use, everything about bitcoin is made to the suitability of every user to afford making a transaction without having a centralized barrier or high fee rate.
Additionally, I don't think the congestion is a problem if the money isn't urgently needed because most people are afraid that it won't drop on time. However, if you want to use the money, you must check the mempool before you take any action. We've had too much congestion on the mempool for a while, and if you customize your fee, we should expect to pay more. Because miners will go for higher fees before the smaller ones.
It's not that interesting because, if we look at the way things are going, then how much you are sending does not really matter, but the fee you are using to send does, because when everything is congested, you are going to be paying more for sure. We need to be prepared when doing our own research before commencing this journey.