Holding the money in the bitcoin will be the far better option as compared to the money holding in the USD.The USD value will not increases with a time period and only few dollars we get as the interest which is 4-6 percentage.But if you hold the money in the bitcoin,it will give you 10-20 percentage based on the time period you are holding in terms of bitcoin.When the market was moved in the positive way,you can convert the bitcoin to USD.This will give good profit by the bitcoin trading for the certain period of time.
I also think that Bitcoin is much better than the choices given in the title. Since the plan is a long hodl, I would take advantage of the Bitcoin market trend which we know an uptrend and can give us a good amount of profit unlike holding our fund in stablecoins that only diminish in value over time since it is pegged to USD, while banks although give u some interest it is too little to compensate for the inflation. So the only best choice I think is not on the given option in the title but rather in Bitcoin.