It'll depend on the situation or perspective. Like, i'll choose fiat for doing withdrawal from exchanges into my wallet. On the other hand, i'll buy potential altcoins for doing trading or hodling. Not only this, i'll profit out some part from my hodlings into fiat when bear season will be knocking at door to buy altcoins at dip again. So it'll depend on the situation or conditions, IMHO. But at the end, i'll always select crypto rather than being into fiat.