Absolutely true, @oluwoleolaide!

When you see drop in payout before the 7thday drop into your wallet, it can only mean one thing: Buy all the Steem you can with your SBD!

Generally, I don't hold SBDs. Most of my steem are locked up in steem power (SP). When I need SBDs, I either convert steem back to SBDs or just buy straight up with any other cryptocurrency through blocktrades. This is what I do. My stance is similar to yours, regarding token holding.