It´s definitely the right decision to hold to any STEEM/SBD we get, the small amount that looks ridiculous now will be worth a good amount in some years (I usually think in a 5 year time).
Living in the moment is a mistake, especially if you are in so early in the crypto world, if everybody says that the Blockchain technology is something that will change the way world operate, then all of those people are crazy? other than the small fact that many of them are already billionaires just from believing in it.