The most often I use is USDT. The exchange pair is almost always on most exchanges, even local ones. The price is stable, I use it when there is a drastic change in market prices, to secure assets.
Stable coins are good for these coins. But if we hold the coin it will not produce anything. We don't lose, and we also don't get profit. Suppose we have $ 100, and we hold for the next two years. The $ 100 will not change to $ 200 and will not decrease. Unlike holding Bitcoin or other altcoins. If we hold 1 BTC, and we hold it for the next 2 years, chances are that if the BTC price rises, we will get a profit, but if the BTC price drops, we will lose. So the point is I don't like stable coins.
Stable coins are less appropriate to be used as investments because prices tend to be stable. One of the goals of making stable coins is to overcome the high volatility of cryptocurrency.
Yes, stable coins are not right for investment. Because it will not bring benefits to the holders. But if market conditions are deteriorating, then a stable coin is the right choice. The condition is we will not bring losses if the price of coins falls.