The cash drag (assuming no fractional etf shares) will more than make up the ER difference until there is a sizeable sum invested. Tbh this low of a difference doesn't matter and fund availability and behavioral factors almost certainly are more important.

Savings accounts are mostly a place to stick money that you need to be both safe and available in the near term (or at least that you might need in the near term.) The interest is minor, but you may as well.

Now if you don't mind some extra complexity you can use other cashlike assets such as government savings bonds (I bonds), CDs, or Treasury bills (not an exhaustive list, just some examples) to earn higher interest. The catch is cash like assets will compromise some degree of safe and readily available and by doing so earn a premium vs saving accounts.

My opinion is that tiering your cash/cash like assets makes sense. I like to keep my deductibles covered / a major car repair, and the rest in I bonds and T Bills. But not everyone will agree with me on that. A lot of people want it all in straight cash as a savings account.

There isn't exactly a right answer. My answer will earn you some extra interest, but nothing life changing. It also comes with extra moving parts in comparison.