~snip~
Exactly. Stablecoins are private or corporate wealth, whereas CBDCs (if they happen) will be national wealth. The two will compete with each other for market share (but it's a different market share to that of Bitcoin and other non-backed crypto, because those serve an altogether different purpose), so holding corporate stablecoins could potentially cause you to lose money if CBDCs achieve dominance in that market. And if any given nation does launch a CBDC, they have the notable advantage of being able to legislate against stablecoins, so it probably wouldn't be a fair fight.
By the time CBDCs are out, stable coins would have to contend very hardly for that tiniest of spot under the sun. They would surely and most probably very quickly lose relevance. I assume CBDCs of leading countries and regions such as the US, UK, EU, and so on would be truly global which means they could easily and smoothly cross borders just like stable coins. Furthermore, they would easily be embraced and supported by all kinds of infrastructures which accept stable coins as they are owned and issued by governments themselves.
Every stable coin user would be posed with a question,
why use a privately-owned, shady, questionable, and fiat-backed stable coin when you can opt for non-backed and fully legal and compliant fiat coin itself?Which brings me back to my point, OP, that hodling stablecoins is utterly pointless!