Would like to hear from others who are already using these methods to save.
I would prefer saving in bitcoin because bitcoin is an asset that appreciate ls overtime, therefore keeping your savings in bitcoin is the best as long as you don't plan to use the money anytime soon. I have my savings in bitcoin and not USDT because it's begged to fiat which means that it depreciates overtime too. Bitcoin is a store of value.
For me I think bitcoin is more of an investment plan than saving. So, if it comes to investment I’ll go with bitcoin since bitcoin have the potential for a more added value or ROI in the future because the price of bitcoin will continue to increase even though it went down at some point, and you may not need the money invested in bitcoin anytime soon. But when it comes to saving then I’ll go with the USDT because it had the potential to not decrease or increase in value, it’s just remains the way it is, no value added and no value depreciated and you can access it anytime soon.