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I haven't looked much into it really. But I like to at least have the flexibility to make the decision of what I want to do with the HBD that comes in as it's the only liquid asset that comes in from posts. Everything else gets locked up.

I decided to set 100% HP and use the HBD I already have if I need liquid funds. I always have a small amount out of savings and keep withdrawing as I use it. I don't want to dip below 1000 HBD in savings though. In that case, I'll use funds from Hive-Engine pools.

100% HP gives a little profit when HBD is below peg, and it usually is during the bear market, even by a very small amount.