Yes, before buying currency for stacking, it is better to ask whether the funds will be "frozen" for the time of stacking or not. It takes 14-20 days to get zilliqa out of stacking, everyone has different ways.
In general, stacking is a good way to "overtake" inflation. This does not always work out and not everyone has the opportunity to pay 14% as zilliqa, but 4,5,6% is also quite good. In any case, if the choice of the coin was chosen correctly, then the capital will only grow.
Zilliqia coins up drastically last several days and not any chance for some one keep staking this coin for selling on higher price, need almost one day for staking unlock and several my friend not get lucky when unlock time Zilliqia coin have back drop. If try to staking coin for long term is worth and actually will be better looking on coins taking without need one day for unlock time. Usually have coins on Binance exchange always need one day when unlock for your coins available to sell and back to spot fund.