I treat all cryptocurrencies the same. I understand that we all look to stablecoins when the market is dipping to save our overall portfolio value but I however believe that even stablecoins are not totally safe from crashing either just like every other crypto. After all, they are project setups like other crypto and for some reason can crash like them too.
Storing stablecoins in your wallet is dangerous for many reasons that it makes no sense to list here. Therefore, if you are not planning to buy shortly, it will be reasonable to transfer such stablecoins to fiat. Moreover, thanks to p2p, it is very easy and very fast to do.
Why should I store stablecoin when I am not ready to use it for transactions, stablecoin has its price peg to centralized currencies like united states dollars and from time to time the price may fluctuate but it will definitely bounce back to its fixed price that is a peg with.
The bit in some situations like that of the Luna USTD crash where the stablecoin crumble, so the risk of holding it is still there. It then becomes better to always have the coins converted totally into fiat to avoid holding a large chunk of coins that do not have any potential to increase but decrease at the interval.