Then don't hold it, use it, and save in Bitcoin and you sidestep that problem

Performance also highly depends when you bought that XMR and how long you hold it.

Days, weeks, months, a few years?

No one knows how XMR/BTC will perform on those scales. It's anyones guess.

Did you buy back at the start of 2021? You're about even

Did you buy a year ago? You're down

Did you buy a week ago? You're up

Are we near a crypto bull market? probably smart to swap some XMR to BTC

Are we near a crypto bear market? probably smart to swap some BTC to XMR