Good post. I recently got into HBD savings as well. I used to convert my author rewards from HBD into Hive, but I put them in HBD savings since the 20% APR.
I power up the Hive rewards for curation purposes.
I've got some second layer tokens, but most of them I earn by posting or curating.
I have gathered quite a nice amount of POB tokens which I stake to my dedicated POB account for better curation rewards.