I don't think stablecoin is a good solution in the bear market because we can swap it with real dollars, btcs and altcoins in some exchange. So while crypto price is still affected by many things, I recommend that you don't keep your stablecoins as an asset. If you want your investment to recover, then go all in the real dollar. If you still want to maintain a stable coin as an asset, what if some country release a new law to shut off that stable coin, then who can guarantee that you can get your money back.