If I needed to keep some liquid funds on hand to pay weekly expenses on my own account this IS what I would do.
The issue is that if it's powered up it can only be accessed 1/13th per week (Powerdowns take 13 weeks). That won't cover the bills. This is why it has to stay in a more liquid form when the current powerdown alone can't cover the weekly expenses.
I didn't realize you were at a Maximum Power Down level...