I'm sure by now you have already converted BTC to USDT an hour ago,
Why would I want to give up the bitcoin stash I have been accumulating just because there is small drop?!
And why do you make that assumption that everyone is a day trader who is going to sell on first sight of a drop?!!
for newbies lessen the loss since you are just getting started, convert your BTC
Being newbie has nothing to do with what you are suggesting and it is a terrible suggestion. For starters we already had the big drop and it is considered "late to sell" even if price by some chance goes any lower it is NEVER a good idea to sell after a big drop. You should either sell before it or at the very beginning of the drop not after it got big.
to a stable coin like USDT, or BUSD maybe,
Another terrible advice because
centralized altcoins must never be used as safe haven ever specially if they are shady and these so called stable coins are that.
At least if you want to get out, sell for fiat and keep that instead.