I doubt if BTC will go below 12k, but if it does I will buy more. I've been in this game for many years and desensitize myself(most of the time) to volatility.
My crytpto.com card is still very useful, not sure what you mean. I put most my salary into BTC monthly and send it easily to my card; I used it at Tesco today and at the dentist.
The 3% I get back is in CRO, which isn't as high as it was but this means I get more of it.
I sold a large %age of my DOT but recently been buying more, after it went under $7.
I get up to 20%(mostly 12%) on it and this is automatically stake on Kraken and Binance. Like last time, I will cash it out when it goes up. The value of DOT is only down if you compare it to $. So, yes I get x amount of DOT, which might be say $30 a week now, but I save it until it is say $30, which means I get $150 a week. Same for the other things I stake - Multiversx, BNB, MINA, Chiliz, and ALGO. I guess I am staking CRO too, but I never look at that much, the crypto card is more for offloading my crypto into fiat.