I actually have a goal to increase my HBD holdings and am working on it. Same for HIVE though, because at the state of my holdings I don't believe it's either-or, it's both that I need to keep growing.
It would be a good idea if the increase in the haircut threshold will be included in the future hard fork (HF27). By then we will probably be in a bear market and the likelihood of the haircut rule to become effective will be much higher.