This isn't a question you can answer with A or B. Each person should have a goal and reason why they are either accumulating or trading bitcoin. If it is to ultimately have more fiat, you can achieve both with buying & holding and trading. Get some bitcoin at a dip and sell it when you are happy with the profits.

But if you use bitcoin as a store of wealth without having a price in mind at which you will sell, then it makes more sense to accumulate as much as possible and pay with bitcoin whenever you can. Work for it and earn it as a side hustle. That way you won't have to worry about the price you got it for. You only invested your time, not your money. Sure, the value could diminish either way, but volatility is already a feature you have to account for.