Hi, thank you!
If I had to do traps as a thing I’d probably do Asset-spend to avoid them, yes. (This isn’t so bad, players can use Determination to get it back if they really want and they can always just choose to succeed but gain a Burden.) Generally speaking I’d probably just avoid the standard “generic dungeon trap” thing: if I were going to use traps, I’d probably treat it as like, a big setpiece.
If you do want to give some sort of minor penalty for it, starting combat with a few less HP, having disadvantage on round 1, or acting after enemies on round 1 sounds about right.