I think whatever decision one makes regarding the HF has to be in line with your goals, like you stated. I'm not comfortable having my BTC on an exchange, so it's staying in cold storage and I'll wait on the sidelines to see how things shake out and act accordingly.

You touch on a topic which I feel is so very important with investing like it is in all aspects of your life, which is "having a plan." You can't get where you're going if you don't know where you're going to. Simply put, if you fail to prepare, you prepare to fail.