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.
The only downside that I get from staking is how long the time that it will usually take to unstake our token/coin. Nothing else besides that, some people might argue abut the safety of the validators, this has not been my issue since usually the every project also has their own validators where we can put our coin on them. Therefore, don't use all your money on staking, always save some for emergency needs.
Given that context, I would do both staking and saving, but I usually do staking not longer than a year while keep checking on the token's potential growth so I would know when should I unstake it.