In my case there is a question not about holding USDT,
I use them for my daily operations & general transactions, although I have some reserves to cover my few months of operations.
I found like several different opinions on topic of usdt-stability regarded to potential upcoming banking crysis, and me personaly I have complete mess atm: is there any real ADDITIONAL risks for me as holder/user? I mean behind USUAL risks of owning crypto currencies.
There are many school of thought to this very information, many people has different reasons for their thoughts, people do advice on not holding Crypto-currency completely also so advice to hold it. Well I would say stable coins are part of the crypto-currency space, it's that crypto you can holding when you aren't sure if which coin to buy, it's lole the decentralized form of holding a fiat because it's actually doesn't have its own value but has the value of the US dollars.
Regardless of the fact that stable coin should be stable we have seen instances where some stable coin lost their values like USDC when then has the issue with silicon valley bank.
There is no room to be complacent in crypto-currency nothing is assured, for now I also have some USDT and it's proven to be a strong stable coin but I still keep my guard and instincts up Incase of any drama.