That's a very good description of my thoughts on the topic. I started my power down some weeks ago, because I want to have some liquid Steem available on the exchange, in case of a bull run. I don't have much SP left now, but there are better ways to make money in crypto at the moment than hodling Steem.
Steem is still the most fun and the crypto with a real use case, but money wise it's not clever to hold it. That's what I have learned over the past months...