I am actually day trading so usually I buy/sell coins within a day or two and put my profits in USDT to buy few coins if price will go even deeper. I also buy coins to hold long term including bitcoin, but other coins are only good for short term trading.
I don't trust paypal like centralized payment gateway including coinbase and xapo bitcoin wallets which are actually just like paypal.
I still use Coinbase to buy my BTC. Actually, I'm using GDAX, because of the high fees on Coinbase.