Well, if you mean that you are willing to keep the value of your income stable then I do believe that Fiat is the best option to avoid the crypto volatility risk. I generally try to spend my 50% of funds as I believe that the movement is a growth and hence we should give first preference to use cryptocurrencies in as it is form. On the other hand, bearing the risk of market volatility is always better than parking funds anywhere in any insecure coin.
I mean i buy bitcoins hold them and when i want to go out i need something where i can store my money till next good point for purchase. Cash out and cash in again is very expensive
I have same minds as you when holding Btc and market going bleeding, in order to take decision sell to fiat or looking another option to hold it as temp. What about using your BTC to buying some collectibles good as collection, go to this section
https://bitcointalk.org/index.php?board=217.0 , there are many offers about this.