Possibly in HIVE you need to have more than 100k HP for it to give you some significant return gain every time you vote for an publication (curation). And the other advantage is that it grants you more privileges the more HP you have.
But if you cannot afford to invest so much money in HIVE, and you still earn the same for the votes you receive, it is not unreasonable to think of withdrawing part of what you have in HIVE and converting it into FIAT to give it some useful use in moments of need