To be honest. I mainly use Monero nowadays. I also hold BCH as a hedge against high fee networks with diminished usability because of its "low fee ideology" .

Reasoning

When the cryptorevolution started. OGs believed the main use case would be "money" as we know it (but better) and they traded it P2P (because there was no other way). Back then only few could imagine that multi-billion stock companies like Coinbase would become the main on- and off-ramps to crypto. And because of that those OGs assumed that pseudonymity would be sufficient.

The last years heavily changed my mind. If you don't have privacy on L1 you will lose all of your privacy sooner or late on whichever layer you trade or interact. Everybody will make mistakes using ones coins and one mistake is enough the de-anomise a good portion of your tx history and potential future, as well as it will expose your trading partners. And actually that's even more scary. Because you can do everything correctly and still your trading partner fucking it up will hurt you. No matter if it is your brother who sends you coins, the cafè you love to go to or Kraken, which has a KYC leak.

The current sentiment in r/cc is that BTC and ETH are basically what the cryptorevolution is all about and fail/fool proof. And everything else should be discarded as an investment - calling it gambling. DonT get me wrong. I agree with most of it. But I also disagree.

Hear me out

BTC won't be able to guarantee its security a couple of years down the road without high fees. But at the same time high fees destroy its use. And no, LN is not a solution as it involves at least 1-2 on-chain tx or worse you need to use a custodial service which is a future KYC trap and a big nono from the start.

High fees in ETH are destroying its usability as well and L2 come with new risks that can be more or less easily exploited and more often than not it re-introduces a high degree of centralization.

History

Around 2012-2013 people agreed that Bitcoin can be both money and a multi-purpose network (read: Ethereum). This belief still lives on in the BCH community. And because of its low fee ideology and openness to smart capabilities, tokens,... I believe it can work as an almost perfect hedge for both BTC and ETH. Personally I prefer Monero over BCH for payments, because I value my privacy highly. But it definitely has usability as a payment coin with CashFusion (BCH's privacy mechanism) activated.

Please don't make that about price. BCH has been one of the worst performers in the last years, but it still has a dedicated community of developers and OGs. I am talking about long-term usability over short- and midterm price trends. After all they say "buy low and sell high" and not the other way around.