Is the drop in value an invitation to buy, in your opinion?
I wouldn't say it's an invitation. I simply believe that it's a good moment to publish posts and maybe increase the stake. It's easier to grow the stake when prices are down.
I wouldn't want to give financial advice but I'm not sure how long it will be possible to keep the 20% APR for HBD. The closer we get to the haircut level, the faster the rate will have to be lowered. So it's possible that we won't get any return on HBD one day. On Hive the APR should be around 10% with organic growth and curation rewards.