thanks for this interesting post. I think if anything this might be the ideal time to have everything in SBD if anything whilst the price is still in Favor over Steem. My plan was certainly to accrue as much SBD as possible and wait for the SBD: Steem ratio to head back up to the 1.2/1.3 ration and then convert over as I think if you convert the SBD to steem you're actually going to decrease some of the value of your wallet.
But as always great job explaining this so more people understand this!!