For me, it will depend on the situation. Yes, bitcoin’s cost right now is meager, and if you sell your bitcoin right now maybe in the future, you lose huge money but what if you desperately need some money and the only thing you have is bitcoin so don’t hesitate to sell your bitcoins. But if you don’t need some cash and can hold your bitcoin for a long time just keep your bitcoin or wait for your profitable moment to sell your bitcoins.
Will be more good if you store some money for the time of need so you will not have to sellout your bitcoin, as if you will in need to money at the time of dump then you can get lose so better if you hold some money for the time of need, as if you are earning 100% money then invest 80% in bitcoin and hold 20% in your wallet so you will not be have to sell your bitcoin at the time of need, otherwise it is very easy to use bitcoin for payment as now bitcoin is easily acceptable.