I have a completely different perspective on this for new steemers and just posted a minnow tip about it. I would love to know your thoughts. You say you have reasons you need your STEEM. I think new steemers have even more reasons they need it.

https://steemit.com/busy/@fitinfun/do-not-power-up-your-steem-to-sp-minnow-tip-for-the-steem-blockchain