I’ll use it when I need it.
Just not HODLing it
Discussion
If you don't want to hodl I'd suggest just keeping a small stack that you use for payments.
Swapping in and out when you need to use it is vulnerable to timing analysis.
Depends on your threat model though.
Don’t have a present need but very aware of the vulnerabilities of flowing in and out and how to proceed if a need arises.