What are your thoughts about this? Personally, I usually try to buy with stablecoins if I have some, it just feels more natural for me. I don't want to touch my BTC while the market is still bad.
You are selling your BTC in order to obtain stablecoin, right? So if you are paying with BTC, what't the different?
If you are holding for a long time and faced a bear market as we are facing now, then I think you have the right to feel bad for it. Although, if you are in need of money and you can't obtain it without converting your BTC or paying with it, then I guess there's not much to say about it. All I can say is, DCA after you used your BTC. Try to regain your former amount by trading or investing at DIP.
Another thing is that, you need to keep one portion of your holdings separately just for payments. Think of it like fiat money. If you hold fiat money, it doesn't increase in value. Or, as you said already in the OP, keep them converted into stablecoins.