When you read deeper, maybe this is no longer a matter of choice. Because what you're looking for is safe, inheritable hedge storage. As we now know, third parties can be regulated in various forms or methods. For example storing the phrase seed in the SDB including fiat account wills at once. So I would choose both to balance ownership while maintaining fiat or Bitcoin value.
I have to agree with you mate. At the end of the day, we need both bitcoin and fiat so we can live a sustainable and productive life. While others pursue bitcoin ownership by using up all their fiat, it’s still best to obtain both bitcoin and fiat because aside of ownership balance, at least financial security in the future will be most likely achievable as well.