IRT point #4, there is no need to wait 3.5 days for SBD conversion to Steem if you sell your SBD on the internal market as it is instantaneous. Then all you have to do is Power Up! My recommendation is that whenever you can leverage SBD for more Steem, then you should be selecting 50/50 payouts and take advantage of current SBD strength against Steem as evidenced in the chart below. Today, for example, is a good day to be at 100% payout!