Given a choice, I will choose staking over savings. Staking will actually help you to increase your holding and you will enjoy the capital gain at the same time. Whatever savings plan you are seeing in the market today, are all unregulated. So if any company runs away with your money, you are gone! In staking, you lock your money in the Blockchain so running away with your fund won't be possible.
Staking is better than saving but it all boils down to your intention. If you intend to save your money, you can put it in the bank. I do fixed deposits sometimes and it is kinda profitable too. Someone elsewhere might not be too comfortable wuth staking because when you stake your money, you are at the liberty of losing it when the trade or business goes south. It's not everyone who have the confidence to stake. So when you can't stake, you have the option of saving. Saving money is like an alternative to anyone who's willing to keep his funds while avoiding spending or losing it.
The cons on staking is that you dont really hold up your coins but rather into those delegators on which on the moment that there's some issue like hacking incident or exploits then say goodbye into your coins and also one of the main factors on which Staking isnt profitable is that on the time or moment that the price or value of a coin goes down on which you might be receiving good numbers but doesnt mean that you will be that profitable because everything will really be basing up on coins or tokens value on which holding up for too long might be that not worth the risks but if you do have that faith into a certain project then it isnt really that bad on this case. You will definitely be having that kind of advantage on earning more coins. If you dont like on entrusting up your coins to these platforms then holding will be your best choice but of course the number of coins/tokens you are holding is just that the same not unless if you do make up some gradual accumulation then it will really be just that depending on you.