for long-term hodlers: i have a serious question about life events

I sold 0.71 BTC over the past 2.5 because I dealt with life. Wife got sick. Layoffs. Started a business instead of employment (and just now turning it around).

For the long-term hodlers out there that experienced the same: I ask:

• Should I have borrowed against my BTC instead of selling (e.g. using ledn.io )?
  • I get it... take out of self-custody your BTC, but you need the money and it's a calculated (counterparty and liquidation) risk one can consider.
  • If the loan is 50% LTV and you need to sell 0.5BTC worth, or does it make sense to put 1.0 at risk?---perhaps, if you dont want to sell.
• What's your mindset now having experienced thru life events impacting your stack?
• What will you do with your stack on future life events? because we all know life happens.

This is a serious question. If you haven't been in 2 cycles at least, you might not know how it feels... so don't troll and just read-on. It might help you in the future cycles.