Well, so far, I am a fiat guy. The reason is that cryptocurrency is not legal as a currency, as a payment method in my country. SO, there is no merchants that accept it as payment.
I so far only use cryptocurrency as a commodity asset, for trading and investing only.
So, when asked about buying or using crypto directly for any payment, so far, I have not.
Actually, I may be able to use it to buy some coins from abroad, yeah it may be, sometimes.
I really hope that I can use it in my country easily someday, but the govenrment in my country even have said that it will be impossible for 10 years later accept cryptocurrency as a currency
But if I have that chance and go to the payment, I will probably choose the cryptos that have low fees.