I mostly follow the Dave Ramsey every dollar plan. So I have my budget worked out in such a way that once I’m done paying everything and moving money around, my bank account has like $5 in it that’s just there to absorb any weird charges I might forget about. It doesn’t normally happen, but it helps to have it just for that reason. I also have a specific amount that I put into my savings every month and the vast majority of my money I take out of the fiat system entirely every single month.
From what I understand, silent payments only gives the sender the ability to generate addresses that the receiver can pull Bitcoin from. So it protects the receiver, but it does not protect the sender and it does not protect the amounts. This is a step in the right direction for Bitcoin, but it’s still nothing compared to Monero.
Edit: Instead of having the receiver manually have to give you a new address that’s fresh every single time you want to pay them. This automatically can generate new addresses to pay them without their input.