No DAI is very safe and more decentralized than all you listed above. Take some time to read about DAI stablecoin and you will stop using any other one. BUSD is very centralized as it is s basically been controlled by Binance exchange. USDT has so many flaws and not forgetting the fact that your asset can be frozen at any moment.

Do not be scared of the liquidity of DAI as it is listed on well know exchange meaning you can easily exchange it if the need araises. DAI give you security over your funds but i would not recommend having that much money in stablecoin just keep them in banks as the stablecoin are still plaged to fiats.