No dey make more than one post in a row, you fit merge all your replies in one post.

To answer your question, you need to understand say USDT dey centralized and is issued by a centralized institution, so there is the risk say e fit lose its peg, or something fit happen to the company wey dey issue am. If any of these mishaps happen, anybody wey dey hodl USDT go likely lose their money. The chances say e fit happen dey low, but i just have to point it out.

That said, Naira is not an option to save your funds, for obvious reasons. Bitcoin na great option, but you must sabi how to protect am, you have to use a good wallet and you have to have a safe backup. I no dey like give direct advice to people, so if one analyzes the pros and cons of doing any of the options, then they can decide for themselves. For me, i'd definitely go with bitcoin.