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.
I agree with this, and another point... once you are used to the liquidity freedom of crypto, it's addictive. You are in control of your money moving back into fiat is painful as you introduce slowness, fees, and counterparty risk.
As someone who lived through the great BTC trough of 2014-17 I just feel very twitchy about the current bitcoin price action.