Speculators is fine, I'm not a fan of hoarders. I guess you could just call them long term speculators though
Hoarders make the price of bitcoin go up even more then speculators do.
I agree I think a lot are saving some for when BTC generation halves.
The half may send the community into panic though. idk if it will be good panic (ie: price raise mining hash rate constantly rising by a little) or bad panic (ie: massive selling, mining not profitable, price crash so even after difficulty decrease not profitable, so prices go even lower etc etc (vicious circle))