I think what you should decide on is if you want to take advantage of the volatility of prices or just HODL on your coins.
The most common stable coins have that kind of feature where they can freeze the funds. Unless you have gotten it somewhere illegal, you wouldn't have to worry about it too much. I think it's okay to have that. Since you said you are not a big investor, then it's okay to hold it in USDT or USDC, whichever you prefer, as long as you can capitalize on the market price changes.
Do you think that they are going to come after your funds? There are a lot of wallets that probably deserve more to be frozen than yours, unless you are doing something illegal.
Here's something to add to your read list about stable coins
[UPDATED] PSA: Most Stablecoins Can Be Frozen, Even in Your Own Wallets by mk4