In my opinion when the market is down like right know Im not going to spend it my crypto unless using if for daily purposes like withdrawing the crypto for a monthly bill. the best time when the market is down is to accumulate more coin and token stake it and enjoy when the bullish month coming.
Well if you have a monthly bill waiting for you around the corner, there's no reason to hold that money for crypto though obviously. I had seen worse decision by people trying to play blind and loaning instead just to get their hands into crypto then later regretting it when bearish market arrives.
If you have any other priorities related to your needs, I don't see any bad reason to using your money on that first. Not sure why people just don't get their priorities right.