As an additional warning to those that are new to the space...
If the amount of value that you are holding in crypto is such that you would be devastated if you lost it all, then you are holding too much value in crypto.
These are experimental, volatile, and risky protocols. Do not risk your mental and emotional well-being.
You mean that such a huge amount of money should be kept in fiat? I also think so, but what about all this "hold until it's gold" stuff?
Personally, I don't know how people manage such huge sums. If I had something that the OP had, I wouldn't trust anyone, especially in this non-regulated crytoworld, I've heard stories about exchanges running away with their users' money, about people being just robbed while trying to buy/sell their crypto in a personal meeting. Holding would be my only option as I would be too afraid to go to fiat, lol.