Said it better than I could've have said myself.

Keeping an absolutely small amount of buffer in stablecoins and swapping it for monero for actual transactions is what I do or just keeping it in monero directly (and that is also because the act of moving the money out is harder and I just buy vps's/domains with it semi-anonymously)

You can just pay fiat to buy monero when you actually have use of it.

Aside from very few use-cases (like dictatorship cases for example) I just think that it doesn't make sense for people to invest life-saving investments for money within crypto perhaps.

I think that one can use crypto for its good sides (anonymous payments) without facing its downsides by buying crypto or just having an insanely small/small buffer and using it when needed rather than life-changing savings.

Except that, as far as I understand, crypto is only anonymous to the extent that getting a debit card under a fake name is anonymous. If someone is able to tie your wallet to you then all your transactions are immediately tied to you. Contrast that with cash: if someone figured out you made one transaction, it does not affect knowledge about other transactions.

So crypto is more like user-unknown rather than anonymous. I expect that normally these are about equivalent, but if you run into edge cases the difference could be catastrophic.