Maybe it is what we focus on for renewal. I know people who sit down at the end of the day in front of a show or movie, but never seem recharged - I know others who hit the gym or play a round of tennis (write in my case) and are full of energy.

Not much when compared to HBD annual interest payout, however we should consider the curation rewards as well.

Yes, and the volatility potential of the token. If HBD can hold its peg, then it is 20% steady - but HIVE can move upward (and downward) with a lot more range.