Is this happening for the first time? Such a situation already happened with bitcoin exactly one year ago +/-. As practice has shown, waiting is the best way to save money. Why overpay now? It's better to wait a bit, and then quietly deposit/withdraw funds, with minimal commissions.
You know what happens to a currency that nobody uses and it becomes less and less accepted worldwide because there are neither clients nor business interested in it?
Unlike gold Bitcoin is not an unique chemical element that needs alchemy or nuclear reactions to be produced, it's far more like other currencies that ran the world before the usd, when there was no interest in them anymore they went to the back scene or disappeared completely.
L2 version of the bitcoin network exists for a reason, and that is to handle the micro payments of bitcoin, but the issue right now is that, many are yet to start using it, most don't even know that such facility exists for bitcoin, which is, instead of transaction on the L1 bitcoin network and paying exorbitant fees, one can easily use the lightening network to enjoy cheap and faster bitcoin transfers globally.
There is one tiny problem with it!
To use lightning you still need to make a on chain transaction every time you open a payment channel, and one other transaction to pull money out of it, although a funding tx is only 154vb in size it's still over $10 at next block fees.
Currently, payments with Bitcoin are often conducted on Layer-2 Lightning Network with very high speed and very cheap fee. The main network is being bothered by brc20 token, we may not choose it to use.
You can't use LN without using the main net first!