The word "modularization" sounds pretty fancy, but honestly, for someone like me, a end-user, the change is: more blockchains, more bridges, more fragmented interactions, and wallet pop-ups happening more often... The experience might not be smoother, but the options are definitely more numerous. New L1/L2 incentives boost TVL, and that "mining, staking, selling" vibe is back. The data looks lively, but the risk parameters are also fluctuating. I tend to pull out a bit when I see things overheating, so I don't get burned as fuel.

If you really want to talk about the benefits of modularization, maybe it's that a problem won't wipe everything out at once? But the premise is that you need to understand which layer you're using and where your funds are on the route.
If you can only keep one habit: always check the liquidation threshold and lending limits before cross-chain or entering a protocol.