Hmm, I feel that I don't know well enough to decide what is a good balance. Even at 20% APR, we all know this is very small when crypto goes into a bull market where prices can move 20% in a day. So I am not convinced about the argument that it is better than curating with Hive. Hive has the potential to give capital gain, but HBD doesn't. For me, I have always done 50% HP and 50% HBD for my posts regardless of the APR, and I feel comfortable having roughly half of my Hive assets each in HP and HBD.