I believe both are good and it depends on each person's preference. Just like you said, Hbd is suitable for one who has much or large Hbd than one who is holding less hbd. I think if one should choose or still in a confused state, he or she could balance both. Maybe having some Hive and also saving hbd to benefit from the Apr too and in the end, both will be the best. My opinion though.
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Well said. Thanks for stopping by and sharing your thoughts with us. Stay blessed