I think yes because when we keep our steem or steem dollar on our wallet, our estimated account value grow and our upvote will worth much more. Of course there is a risk to lose our money in case someone will steal our password or hack our account. But I think anyway it's better to keep it on our wallet because I am almost sure that my account is secure and steemit team will not something like that happen.
I also think that is better to keep them because steem and steem dollar willgrow in the future and we will earn much more in bitcoin than if we withdraw now and convert into BTC.
