Do you hodl and hope for the price to skyrocket, or perhaps spend some of your coins on various goods and services, and if you do - what do you purchase?
I do both. When I'm out of cash, I have to spend and sell it for things that I need. Usually, that's the process, sell -> cash -> goods/services.
Is it even worth spending your coins on anything you can get using a credit card?
I don't use credit card so I don't have that mindset of buying things through credit. For me, if the thing you are purchasing can be bought by cash or by crypto and you badly need it. That's always an absolute worth it purchase.