Question
HODL is common practice with many Bitcoiners but has anyone braved the risk of changing out BTC for a stablecoin to then change back into BTC when the price has significantly lowered to gain percentages?
Mostly traders and investors does. Those that have taken some profits, they're able to convert into stablecoins to take it.
Personal Experience
I have held & traded, personal view is that the trading aspect is exciting (within reason) as it yields percentage points. Having a risk assessed figure in mind then switching out to wait for the prolonged market decline to join back draws very few negatives from my view.
That's all you have to do, save some in stable coins when you see the market is about to decline, taking some profits or you just want to cut your losses. It's a way to retain the value of your holdings and many does this on exchanges. But if you're long term and you don't care, HODL it until you're finally satisfied to sell.