The only time I withdraw a big chunk previously was the powerdown from steem, it sort of felt right to do it. Tbh, if i withdraw an amount that doesn't significantly change my life or pay for an important expense, I'd rather continue to stake it. It will make a difference one day, maybe like for my home care when I grow old. Damn, the thought of that sounds so depressing!!
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I like to powerdown and slosh the hive earnings with HBD and Vice versa. Those short term back and forth gains are nice to help stack up while on the platform. I do see staking here long term as a nice back up fund for retirement too. It's just awesome that HBD has 10% APR right now. This is the financial hack most people on the 3rd world need.