Guys, get your 101 "Free market: Demand and supply" together! :-P

The only reason why swap rates go down, is, because it'#s unattractive to lend and do margin trading. We are in bull territory, for months, and will probably stay here for another while.
It'll go up to rates "noone can imagine" as soon as the next wave, cycle, bubble, madness starts over again.

Until then, yes, flash rate is good enough for me, lending out in USD.
I agree, trying to tweak the rate manually leaves you out of the loop too much. And is more of a hassle anyway.

Ente