If I were you I'd convert your stake to HBD and take advantage of the 12% savings interest. I've already put a decent chunk in there(for me) and am thinking about powering down to put it all in there...
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Even if I don't get it how it could help the coin itself (its inflation and the social network) if it is most beneficial to convert HIVE into HBD just to let it work passivly for you, I should think about this option ...
I don't understand that part either. Essentially you'd think it would drive the price up as users buy more to put into savings, essentially rendering the attempt to keep it pegged less effective.
That being said, at 12% it's quite beneficial for those holding it in savings. With 1000 HBD sitting in there, I'll be making the same in a month as what curating through autovotes earned in a year.