Exactly. One radio for monitoring area frequency and the other for monitoring the nearest CTAF, no matter what height I'm at.
If need be, speak up on the relevant frequency.
I've always done that. In fact, I thought that was what everyone was doing.
I don't see why a VFR aircraft should use an ATC frequency (which is what an area frequency is) when stooging around the circuit area of some airstrip that is so insignificant that it does not even appear on a chart, and which may well be many thousands of feet below controlled airspace,