With the recent happenings in the market, don't keep all your physical cash or savings that need to be use in running day to day and long term activities on stable coins. Stable coins are subject to audit. UST depegged, USDD is struggling to keep it peg. I am currently on BUSD, USDC, USDT. I hold these ones on TRC20, BEP20, optimism chains. I didn't hold on ERC20 mainnet because of gas price.