Theoretically, if I had much coin, I would put most of it in "savings" cold storage. I would keep probably 2 weeks on-hand to live on in my "checking" hot storage.
That being said, like most people we keep most of our $ in our checking account. We live mostly check-to-check and make small transfers to savings as we can. Until my income is great enough to be able to have more wealth in savings than in use, I can't justify putting most of it in "cold" savings directly. I loathe the idea of transferring $ from savings to checking either daily or weekly. We DO budget for all of the bills + living expenses, as well as a monthly transfer to savings as we can though.
Being as we do almost all of our transacting digitally, including all of our bills, I have to keep the money in an active, easily accessible account. Truly "cold" storage for $ is just not reasonable.
As far as unique addresses go, until I have more to protect I am not overly concerned about someone actively tracking me back. I'm also not doing anything that I would care not to have tracked back to me. I support paying taxes to pay for civic services, where they are due etc., so I am not looking to avoid that through anonymity.