It depends on many things and especially the price you paid to get your Bitcoin. If you have already some profit from it, probably, it is better to sell BTC. No one knows if this cryptocurrency is going to grow or fall now, and if you need to fix your vehicle urgently, you should do it.
The reserve money can be also used, but you should compare all possible pros and cons of both choices.
I didnt know what the future of other coins are, but for BTC, I can say that I am confidence on the future of bitcoin, and I am so sure that come next year, bitcoin will reach its new peak before the halving, so it is still worth waiting for if we are not in a haste for money.
I didnt see any reason why anyone who is serious about investment should be in a haste for the money out in cryptocurrency, because it has already been advised that they should only out money that they are sure can be forgotten for a while or money tat we feel we can easily forget without it affecting us in any way. It is when we have packed all our life savings in it that we usually get to over over-stressed about the investment. All I will implore the OP to do is just keep holding.