I’m not sure that HF25 has done anything. Presumably, more people are saving. According to CoinGecko, HBD market cap has remained at about $4 Million where it has tended to be. Their data may be incomplete. Or, alternatively, the 10% has had a negligible impact.

Regardless, I too am keeping my HBD earnings in Savings. In the long run, this will build a stable component to my Hive account. In time, my account will be less volatile. I may even put in additional savings of my own.