Probably the only answer to this question from the op would be:
It is all dependent on an individual.

Why do you think there are so many exchanges and defi services offering you high interest rates so to hodl your bitcoins on their platforms.
Cause they know something is good with bitcoin and they would want to use them for leverage trading where ever they transfer those holdings too.

So for me, it would be never.
HODL til you die!
This is my philosophy when someone poses this question to me at the very least.