I believe others here have already answered your question. I would like to say that it is not a good idea to stay without claiming the rewards. We end up in a loss if we don't claim the rewards and power up. The little opportunity for growth here in steemit is only through power up. If we don't power up the rewards, there is no use in holding them without claiming.

Some people even say that we have to keep buying and selling STEEM regularly with your SBD based on the price fluctuations to earn some profit here. If we keep the rewards without claiming it is not going to help us in any means.