Hoddle and Day trading both are different things but I love holding as compared to day trading as I am not good at trading so I don't like the risk of losing. For a Holder one must have good patience otherwise holding will not give any profit to the holders. Day trading is good only for those who have good trading skills with consistent performance and Trading is not a cup of tea for everyone it requires good trading and analytical skills.
As a newbie, we all get afraid and also follow the same as you said. Generally, I use stable coins to buy the dip or whenever the market makes a correction or sometimes when I feel it's better to convert in stable coins rather than in other altcoins that are expected to drop. I would say If you have an easy option to convert your money in crypto with your country's fiat currency then it's better to keep in your country's fiat currency it's my opinion rest you can believe stable coins also.
After Doge several meme coins launched and the majority of them already vanished from the market but it's not like that meme coin can not rise. I believe it depends on the marketing and the community of the coin. Honestly speaking I don't like investing in the meme coins as it is more like gambling. Any coin can make you rich if it pumps crazy because this market is full of uncertainties.
If you are in need of money in urgency then you can sell it and if you have the capacity to hold then I must say its time to hold not to be a panic seller but nobody knows about the market will go in which direction but still I feel market sentiment is good as of now So I am also holding it patiently.