I am not really interested in Monero and don't follow events around it. I found this news topic by chance. As I said, for confidential transactions I use non-custodial Lightning or Liquid BTC, so as not to speculate on other coins price or pay swap fees. BTC to L-BTC pegin costs just regular Bitcoin chain fee (plus 40 sats on Liquid side), and similarly does opening a channel. How much does BTC/XMR swap cost? BTC is the best asset to keep funds long term.
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Liquid and Lightning have different trade offs to Monero, but if it works for you more power to you. There is nothing mutually exclusive about saving with Bitcoin long term, as you said, and using something else as digital cash for the short term. It's been a toss up at shorter time scales as to which performs better.