I would prefer to use a centralized one, I have bad experiences about the decentralized one, but this is just the time when I transact small amount of money. Anyways I could not hide my identity, because of AML protocols so the thing is even I want a decentralized coin, my options are limited. So I will just go for a centralized stable coin. These days you can't really do what you want because of these regulations. Not unless my country fully accepts crypto payments and disregard the use of fiat, but that won't be happening so I will just try to live with it.