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RE: Spend Your Fiat, Save Your Bitcoin!
I usually follow this advice. However, there have been a couple of tough financial spots that necessitated the selling of some bitcoin for my family. I regret it because it would be worth more now, but looking back, I'm glad the bitcoin was there.
Reason why I am buying also Gold and Silver to save something... I tend to spend the BTCs when needed like you, it is so easy.
Another reason it is wise to have cryptocurrency available. I've sold a few ETH after the price went up, though I should have sold less. Truth is, it is liquid and available much faster than fiat in a pinch.