Will my coins still deliver?
No ETA about this, once you have been putting low gas fees and your transaction gets stuck in the blockchain and it will never be confirmed until network gas price will have touched the gas price of your transaction.
The USDT fees on USDT based on Ethereum blockchain looks too high. Should I reduce it? How low do I go? Presently, it's about $46.
You should reduce it until you will have reached average transaction fees. If you're reducing it even lower than the average gas price and this could make your transaction gets stuck in the blockchain. You can see this as your reference
https://etherscan.io/gastrackerThat will tell you how much you must have paid the network. It's about $22 right now.