Great comparison! While it is good to HODL and I believe in the "not your keys, not your cryptos" mantra, I still think you have to let your money work for you somehow. I have a portion of my portfolio that is put into staking and loans so that I can get some yields.

For me, I have been using Blockfi since last year and so far so good. If you are interested to join, do use my referral and we will both earn $10 worth of BTC after you deposit $100 worth of crypto into the platform for a period of time 😀