It's much better APR to subscribe directly and support others.

I agree, but there is a limit to how often I can post to extract that value, and there is no withdrawal, I'm locked it.

My thought at the moment is to get my SBI subscription to a point where I can get a decent monthly payout, and then use that to fund the savings. If adding to SBI is greater than what I get from curation (even if it is less than SBD savings) I will likely go that route because when I look at the witnesses right now it looks like some of them want to lower the savings APR a lot, or if HIVE starts mooning, I want to have some liquid hive to make moves, even if that liquid hive is 1/13th of my HP that I can use after I remove delegation (plus the x days).

I'm a long ways from having the number of units I want, so a lot of this is still just contemplation.