Same here, I would also take the money. A lambo looses it value very quickly, but even when taking the money in BTC there is a certain risk as you don't know what BTC price will do in the future.
That's an easy one.
Convert it to USDC on Binance, and withdraw it. No matter what happens to BTC, you still have your $200k.
Now, if BTC doubles, then you'll be kicking yourself in the arse

Holding bitcoin is not bad idea as its now stable and not going down as its happen in past so if you able to afford then surely keep these in your wallet and enjoy some good profit in long run as most predictions saying its price is going some good high in near future just use your own search and enjoy this all if you won