The reason the %20 APR percentage is maintained in the HBD savings is because of the debt-ratio that's dependent upon the market cap of HIVE. As soon as HIVE has a blow off top, that debt-ratio is going to force the hands of the witnesses to reduce the HBD savings, think %5, perhaps lower with the numbers you are giving.
How would you adjust your plan then?
My plan won't change much depending on the APR. I'm always convinced that it's a great strategy to convert a good portion of your crypto into stablecoins ☺️
At current levels the hair cut rule would come into play at around 8 cents... I wouldn't count on it to come into effect anytime soon