You don't want to spend your Bitcoin. You like HODL more then using as money?
Then ask yourself: If you could decide as god, if from that very moment everybody in the world knew exactly as much of bitcoin as you know. You know perfectly well that this would probably mean that you would not be able to add too much to your BTC holdings that you have NOW. You know it will be far lass than 10 % that you could add.
If you have now 5 BTC, you will end up with max 5.5 BTC and you know that
And if you HODL you prove that you want to add MORE and that you feel you have not ENOUGH whilst you perfectly KNOW that your wealth will already be tremendously INCREASED with you BTC that you NOW have.
Don't you think that you should at least spend BTC. Just replace it immediately with new BTC. Or you could just BUY MORE.
Afraid? Haha