I may sound like a bit pedantic here, but the truth is that best thing that you can do with your Steem is to power up.
If you trust yourself then use that powered SP to work for you by curating good content. Even give yourself a self-upvote once in a while.
Therefore I choose neither saving nor transfer. If I have 30 Steem, then I will choose to power it up and convert it to Steem Power.