Not the best one. I wouldn't hold USDT instead of USD if this is what you are asking and I don't plan on holding any USDT. Besides from being a centralized token in various networks, that prints, or mints if you want it, new tokens at will any day they like and somehow managed to hold the price at $1 in exchanges using some kind of algorithm probably, it also has so many troubles and accusations that make it unprefered as for anything to do with it. I wouldn't use USDT but only for trading at an exchange and I wouldn't hold USDT too much. In fact, all the stablecoins have a limited time before they burst and bottom at zero.

Maybe DAI could have a system with validated collaterals so it could be more stable for the lont term. It needs some more time though and tested in more difficult times with higher volumes.