In most of the cases I have to convert btc to fiat, to use it on daily expenses. But at the time I'm not spending it, I am holding most part of the stake in btc. It seems to be a good time to do so.
Spend it only if are desperate need of money and sell only that you require and rest should be hold for the future as you can get more benefits in future when price will go higher.
That is right. I only spend a small percentage of my coins. When the bitcoin price is lower, I will buy back the coins.