I like your "triple-step option" for what to do with the HIVE/HBD rewards of the psots. I have thought quite a bit about what to do with my post rewards too.
I was wondering instead whether I should first grow my savings account to a decent level, and then re-invest the interests by buying HIVE (or try other coins, to diversify a bit more). This strategy however may take some time as the growth of the savings account is not fast enough to my taste (according to the goal I have setup to myself).
I will think more about your proposal. We will see.