Rate of ALGO reward accumulation based on "zero-transaction" accumulation frequency

If you hold ALGO in a non-custodial wallet like the official Algorand wallet app, then you automatically earn a reward which is currently around 5.7% annualized. But in order to "compound" your interest, you have to periodically send yourself a "0 ALGO" transaction so that the accumulated reward is added to your balance, and therefore also accumulated rewards beginning at that point. However, there is a .001 ALGO fee each time you do this, so you may wonder how often you should collect your rewards.

I did this simple little analysis to see at what level of holdings it makes sense to collect rewards once per year, per week, or per day.

ALGO reward accumulated after 1 year (assuming fixed rate of return, 5.7%)

As you can see, holding a single ALGO and collecting the reward once per day actually looses you ALGO over the year (which makes sense because the .001 ALGO fee is eating up your reward faster than it accumulates). Anything up to 100ALGO (technically about 70ALGO) you are better off just doing it once per year. Between 100 and 1000 ALGO, it pays to do it once per week. Above 1700 ALGO it pays to collect the reward each day, but even then it's barely more profitable. Even if you hold 1 Million ALGO, transferring your rewards into your wallet once per day nets you only about .2% more per year.

None of this takes into account fluctuation in the value of ALGO itself or the rate of return, both of which of course could vary more than any of this. I was just interested in how relevant the .001 ALGO fee was, all other things constant.

Edit: As others have correctly pointed out, you can actually avoid the fee entirely just by using the algorand faucet- plus if you regularly send more ALGO to your wallet then it happens then as well. I was just curious how significant the .001 ALGO transaction cost is, those options notwithstanding.