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.
So my vote is with staking only! Even pool staking is profitable and less risky.
one caveat though, be sure 100% that the contract is completely safe and is audited heavily, one contract breach is enough to drain you out of your money.
the main reason why I stick with staking rather than sticking with flexible saving on exchange is because not your key not your coin, there's risk of exchange collapse, so might as well increase the risk and get big reward through staking in custodial contracts which of course audited heavily to ensure security.
if anyone happen to prefer saving, be sure to save in something that's guaranteed and have insurance, because otherwise you're risking your money for no return at all, so might as well go with staking.