It's the age-old dividends vs. capital gains question.

Do you take earnings now and spend them or do you reinvest to get a larger payout later?

The answer mostly depends on what else is going on in your life and your future expectations. If you are older and have enough assets, take the earnings and use them for your living. If you are younger and are still trying to build wealth, then reinvest.

The difficulty with STEEM is that the outlook is so variable. You see 20 USD/STEEM in the future. I see maybe 0.10 USD/STEEM. That change in future outlook will influence the decisions we make today.