$100 into HBD shouldn't take too long. I've always wanted to have a nice balance between HP and savings but life always finds a way to lead me into having to cash out.

I've seen some people make their rewards set to 100% liquid just to fund the HBD savings a bit faster, but that sometimes leads to curators ignoring the posts. But I guess it works if you're one of the lucky few on the autovote lists.

Even with low Hive prices the HBD side is still very appealing, it's nice to have that hedge in case Hive's price continues south for an unknown period of time. And then it doesn't take too long to withdraw it in case you want to buy up at those much lower prices.