Decred locks your coins for a period of 28 days, on average. Worst case is 142ish.
What about coins on exchanges? Do we lose the staking benefits thus we are being debased if we HODL them on exchanges? I realize HODLing coins on exchanges is risky and stupid. (⊙_◎)
I guess your implied policy is only use exchanges for trading them and get a wallet if you want to HODL?