There will be more than enough time for everyone to be able to swap ZIL erc-20 token by ZIL native tokens. It didn't start yet according to available information in should start by late Q1 and should be completed by the end of June. So at least one whole quarter will be available for everyone. When you invest in something to follow the development is also necessary.
I will send my ZIL to some exchange that will support the swap
Cause it's user friendly and simple to do it like that
If this is possible I think that is a good idea for those who don't know too much about swaps. Although I think a simple explanation should do.