Charitable giving at low MAGI

I early retired this year, and starting next year I want to explicitly budget in charitable donations. My actual spending should be around $30k again, plus ~$3k for donations, as a start. I'd hope to increase this in future years.

I wouldn't be making one lump donation to a single organization, it's more a pool of money I can direct at a variety of places throughout the year, ad hoc.

At my tax bracket, I don't need tax optimization or itemizing deductions. But I am thinking of healthcare costs. A $3k bump in MAGI is about $450 more per year in premiums for me, and it'll only go up from there in the future.

At what income threshold do you start thinking about more formal arrangements for managing MAGI alongside charitable giving?

Most of what I'm reading on this topic seems geared towards very high net worth individuals with financial advisors and high tax brackets, not someone starting out small like me.