If we truly believe we might be entering a bear to 3800 or 2800 or beyond... why would we stay in Crypto? It is far more profitable to sell for USD, pay the taxes and buy back in next year at 70% cost or perhaps half price.
Honestly, because it's a pain in the ass, and there any many opportunities within the cryptospace to accumulate more XMR and BTC with greater profit outcomes than by going through FIAT.