In the past few months, i usually convert a huge ratio of my crypto to fiat for saving purpose, and the rest is investments. Never bought any crypto-related item as well.
Anyway, why are you converting your cryptocurrencies to fiat for saving? Isn't it better if you have them in Bitcoin considering the price of Bitcoin isn't so high at the moment and we have the halving event coming up next year? I would keep the savings in Bitcoin for now until the bull run, but it's all your decision to take.