I am a bit confused like you too. Hard forks always are. But I understand the basic theory behind it. And I am also prepared for this one. Most of my Bitcoin has been converted to Ethereum. Hopefully, Ethereum price rises or at least stays stable (I know stability in Altcoins is too much to ask for, but I still ask). I also have some Bitcoin stored in my hardware wallet for safe-keeping. I am not sure what is going to happen to them when SegWit gets implemented, but I am going to wait and see. Hopefully, developers get behind SegWit. We should then see a price hype and less transaction fees and confirmation times.