I want to take my money out and hold onto it until the next bull run in 2-3 years. Is there a huge difference between keeping it in a stable coin, keeping it in fiat on the exchange platforms or just transferring it back into my bank?

I want to take it out, because I only foresee crypto going lower until the next bull run in 2-3 years. They say to only invest what you’re willing to lose. And I’d like to keep enough on the side to pay off my debt if need be. I have about 43k in debt, and currently my crypto is sitting at like 58k. But it is going down quickly. It peaked last November at 108k, and don’t want to watch it go all the way down. Want to pull out and re enter the market when things are good again in 2-3 years. Which of the 3 would be the best to put my money into, it does it make a difference?