Bitcoins You Possess Will Be Safe
If you hold money on a bitcoin exchange, then it will be up to the exchange’s discretion on how they choose to disperse both token assets to customers. Most of the well-known industry exchanges have already pledged to support both assets if a blockchain split event takes place.
For individual with hardware wallet, it is very important to understand that hardware wallet users control their private keys. So whatever happens, you will always have the possibility to export your keys and use your bitcoins on any software running on any chain or fork. Whatever happens, you do not need to move your funds prior to a fork, nor do you risk losing access to your coins on any side of the split.
Resources:
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I see this as inevitable. A fork will happen...
I agree, in order to optimize things; changes are deemed necessary..