I chose to have Hive Power vs HBD due to needing the hive voting power to be able to vote for all the other H-E tokens and also the resource credits needed for the games, posting/commenting and voting that I do on the hive platform. I believe you get about the same return between about 12% hive power (2.88% + close to 9% curation rewards) vs 12% for HBD so that part is really close based on the dust votes that occur. But otherwise I lean toward Hive Power.
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Owning HP has a lot of other effects that are not only financial. You can give value to posts, you have more influence, you can vote on proposals and witnesses. I believe that the first step for everybody should be to get a decent amount of HP.
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