Not really if it's a small enough portion of your Bitcoin. It's just another tradeoff. It isn't something I've used, but if I did it would be no more than like 5-10% of my stack. Probably 5 or under.

What I would probably do for something like a car or house is do a traditional fiat loan and setup bill pay to something like Strike that reverse DCAs (I lack a better term) to pay the loan monthly. That way I keep the 2x Bitcoin and take advantage of a devalued loan over time. But this only works because I have income. I guess it would be different if retired and I only held Bitcoin.