I don't like to beg for money so if I am in desperate need of money then I will prefer to sell my bitcoins and get hard cash instantly in my hands as we cannot afford to depend on anyone when it comes to money.
You are not in a desperate situation under that circumstances, If I have hundreds of bitcoins and I do not have cash I would still call myself rich and as a rich person I have a financial freedom. Bitcoin is money and anytime you can cash out whenever you need money, I have my bitcoins save and any time I need money I just cash out just enough for my needs because I know the value will grow and it's a wrong decision to convert it all to fiat.