Good to hear that you are here for the long term @lordflu.

Most people stick to the default 50/50 payout to grow their account and have some flexibility, but many end up powering up their liquid Hive to grow their account even further, or keep the liquid HBD in savings which gives you 12% interest.

Powering down and cleaning out your account is bad for optics. Whilst it's your funds and you can do what you want with it, some curators may be less inclined to upvote you because of that.

Social engagement and networking is a big part of the Hive ecosystem, of course that includes Splinterland, but I'd say if you want to to use hive blogging to fund Splinterland, build your account to support others is not a bad move

Good luck