Personally I'm not putting too much into HBD in either form just because I want the exposure to a possible big upside on HIVE itself. I'll keep building a bit in HBD just as a "rainy day fund" in case HIVE & crypto in general has a big pullback I'll have some more stable funds to buy with!

Between the two options HBD Savings is fine for my needs. While I completely trust the LEO team, I don't trust any defi smart contract nearly as much as I trust the simple HIVE wallet itself. Since I'm not dealing with large amounts of funds I'm willing to give up some APR for the simplicity and security of it.