In the long term, what do you think is the safest? To keep USD on exchanges or to keep USDT, USDC... on my cold wallet?
I have known crypto for more or less 7 years and USDT, USDC and USD, I have done it and it occurred to me to store stablecoins that are pegged or valued with dollars/fiat in the long term, I often use USDT only as a transaction method, not for long-term storage.
As far as I know, saving in USDT doesn't add any value, even if it does, it's very little because it's based on dollars, so you should just save it in a bank or gold, I think it's safer and more profitable for you.
However, if you are considering saving in a wallet/exchange, try an investment method, so you can look at crypto types such as Bitcoin for the long term, maybe that's better for you in the future, who knows with the value you have in Bitcoin in the next five years Bitcoin could break to the $1 million level, maybe.