The dual-stack model is probably the best approach to hedge.

The inconvenience (and potential premium) in the short-term will far outweigh the inconvenience in the long-term. Also adds an additional incentive to mine.

When the time comes, anyone looking to take advantage of fiat gains should probably prioritise spending KYC stack. Banks (for now) want to see evidence that those have been in your possession, especially for big purchases like houses etc. Eventually that won't be the case, but compliance officers are checking boxes no matter how ineffective the paper trail is. The more barriers they introduce the bigger advertisement for non-KYC HODLing.