What I like about the HBD savings option is the rare thing that you can earn a return on essentially LIQUID ("uninvested") funds. It's not just sitting there as inactive, but I can still get my hands on it in just three days. The three days is also a nice buffer to counteract "stupid impulses!"

I'm not convinced BTC is done yet, either.

I've also been thinking that HBD savings is a good place to park some funds for taking advantage of airdrops ("if you stake THIS, we'll give you THAT") with advance notice.