Please don't include stablecoins with bitcoin. They are crypto and arguably the worst crypto.

100% of inflation risk of fiat.

100% of key management hassle and online security risk of bitcoin.

Take your crypto portion and split it into its 2 component parts.

Keep the counterparty rug risk

discard the miniscule chance that you bought a winning lottery ticket.

On top of that every argument for stablecoins has to start with a presumption of some validity of fiat.

Even when I was new and ill informed enough to be into crypto I knew better than to ever touch stablecoins.