You basically wrote all here :)
To me the decision of either delegating or curating depends on how much time you can put into it. If you want to use your own stake and look for posts and vote that is (to me personally) the best option, but it does take time.
You already know delegating is good too and that is a great option for those that do not have the time, or passion to look for posts. Maybe some just want to comment and hang out. It is a way to get some passive income without spending much time here.
There is also a third option - joining curation trail. So you keep your HP on your account, but follow the votes of a person or project you trust. They will vote and you will follow their vote with the exact same %, or scaled. That is up to you. This way your account probably never gonna be on 100% HP :)
@tipu curate
Upvoted 👌 (Mana: 15/20)