Well, I have my money moved to Waves some time ago, and only have few of my Bitcoin left. I was gonna return them to Bitcoins but I decided to keep them in WAVES since heard about this forking. I better be on the safe side (even though waves itself isn't safer as its price is decreasing a lot lately, I still believe in waves).
Hold your Bitcoin in your own wallet and collect the free $BCC after the chain splits
That's the only thing I might regret by not keeping BTC in my electrum wallet at the time of forking.
If any exchanges fail this year, they're probably going to fail between now and August 1st.
This is very terrifying part!!