This is going to come to a surprise to many on here, but at the moment I'd rather have paper (US FIAT) money. It's something that I would be able to actually use in my life with ease, and even though I love crypto and everything I have to be honest about what I think and see.
Plus for the fact that if i was to have bitcoin right now, I'd be paying a very high amount in fees if I wanted to actually end up using this money.
Your sentiments are understandable and correct. If you'll be converting your money to bitcoin and use bitcoin for transactions it's not advisable, transaction fees will kill you.
But if you bought bitcoin for you to profit out of it then it's a different story. I bought bitcoin so I could do trading and earn from it. I rarely use bitcoin as a payment transactions because I find it more epxensive.