They are both good decisions as any of the above mentioned style has some good level of asset security. The banks protects your assets enough such that you only get affected when fiat price goes down but if the Bank suffer any other losses resulting from hacking and other factors which happens around the banking space, your assets remain protected similar condition applies with stable coins.

In terms of access and total control it is much more better with stable coins, you have as much access and control as you want to your assets at any time and day if needed. But with your dollar in the Bank you have limited control and access to it as it might not be readily available as at when needed. If both cases and their peculiar conditions are taken to consideration, it's very rational to think that both serves for different purpose at various times. We can say for a long term the bank can be a good option and for short term other stable coins can serve as they can be easily accessed at ease without out hitches