I'm at Bitfinex at the moment, however I'm thinking of going back to Binance; giving me more options for stable coins.
Please do not keep your coins in an exchange. If anything happens to the exchange then you are going to lose the asset.
Exactly mate this is one good advice as leaving our coins in exchange is very risky
I'm currently all in tether... which isn't a good idea currently IMO.
This is certainly not a good idea. Why not have BTC and store them in you own wallet which private key is only accessible by you.
Diversification is the best strategy specially for long term holding
Is that a valid concern?
This is seriously a valid concern
But must consider some advices if you want to profit in future