I took the penalty initially when the inflation is high, but now I just sit on.

I voted for 30 days, because it lines up nicely with the block halving for the time being. Also, because of the lower inflation rate there is less risk for a mass dump, yet I do still think it's good to punish impatient people with a penalty for xPolyCUB :).

Oh, one other thing: in my case I did withdraw entirely out of the original CubDEFI. Not because I do not like the CubDEFI, but because I think Polygon has a better user experience as a platform than Binance Smart Chain (lower fees, quick processing etc). I also am a bit fearful of BNB tanking soon, as it's so highly valued.