The problem with keeping a low hivepower is curation rewards (upvoting comments) and RC pools will be low. AFAIK, RC is based strictly on HP.
I don't know the maths, but I imagine curation rewards are higher then savings, assuming you keep your voting power not sitting idle at 100%. And to manage that, just gotta upvote 5 things at 100% upvote a day, which should be easy enough to manage for anyone that's active for even 10 minutes a day on any of the hive frontends. This will also help your hive-engine coins, so it's kind of a double edged sword as far as keeping it all locked in savings, which to me is more of a short term speculation account with a 3 day lag on market advantage. * * Shrugs * * idk... Hard to say, but do what's best for you ^>^