Choosing the convert to Steem Dollars is only intelligent when the price of Steem is increasing. We saw a surge in prices last week and so it was fortunate for any users who ended up converting prior to that.
We could easily see another increase or a complete fall (who knows, right?!) or see a sideways trading pattern emerge. Essentially, if the median price is more than the internal exchange, why would you want to choose the CONVERT option (which inadvertently destroys SBD supply).
Not sure what the best option is other than to educate people on their options.