I'm glad you mentioned appreciation tokens.
I've been having a lot of fun with the tip tokens lately, but these are also a highly undervalued perk on Hive.
I bought a handful of BRO last year, or earlier this year, after receiving some from another appreciation/dividend token (I think) and looking into it, but when it was elevated to a tip token I got into it a little more heavily so I can sling it around to others. It's done pretty well since I started buying in at under $2, which is another point worth mentioning. It's been a slow crawl, but it's more than doubled this year, although it tends to have significant highs and lows, but none-the-less, it's a consistent rise.
I don't know if the tip model can work for every appreciation token but I think it's worth considering for the ones that might be compatible.
The way these things overlap and intertwine is fascinating, and adding another use for any token makes it more valuable, but especially a savings token, I think. Scattering them around and leaving them to grow is the whole point.
Man, we're just beginning to see all the fun we can have with these things.
RE: The Value Of The Income/Dividend Tokens On Hive