Glad you wrote this, as it changed the way I took rewards on my personal account, Hive account@damonhudac. Under what conditions would you ever use the "convert" button, or choose to be paid 100% in SP? If I understand your articles correctly, if SBD is trading under US$1, then it would make sense to convert, or get paid 100% SP. But since SBD is trading around $6, then it's a bad bad move to do it that way.