I'll still let the VIR get chosen first, if only because they will now probably be the most interests offers during price increase.
If you have any more suggestions don't hesitate to post
Best regards
Raphael and the Bitfinex team
If VIR is always chosen first (i.e. even when higher than the lowest fixed rate), over time nearly all lenders will switch to VIR. In fact, this is what already has happened apparently, and is what caused the huge surge in interest charged when a few traders (accidentally or otherwise) accepted very high fixed rates.