I include myself in that group -- I don't use either BTC or XMR as currency. I save in BTC, full-on, everything I can spare every month, I'm literally zero fiat, my bank accounts are kept at zero (in fact, my net worth is negative, if I disregard my BTC).

At the moment, fiat works perfectly fine for me, for the things I do daily: groceries, rent, entertainment, etc. With P2P markets, it works reasonably well even for stacking clean sats (sats that are not directly KYC-contaminated).

I am convinced in the not so distant future, when CBDC's are implemented, or AI is more heavily deployed by the State-Corporation conglomerate to fully track and censor even those trivial uses, I will have to resort to a private means of exchange.

So what I'm doing now is think about it and have an opinion in my head, so the whole process doesn't catch me with my pants down when shit really hits the fan.

To summarize: that was just my opinion today, and it may well change in the future. What's important is to think ahead.