Completely agree - getting both off exchanges should be the main reason for this and do feel a higher % would definitely help , having both savings earn would be a good one too, maybe a longer withdrawal period on the hive savings instead of 3 days would be helpful too. In terms of HBD I feel like someone who is willing to stake their HBD in savings is really not going to mind a 3 day wait compared to some of the other unstaking protocols out there. (My whine about ATOM comes to mind their “unstaking” which is really just undelegation is so long and costly, compared to HIVE a simple three day wait is a godsend)