I learned the hard way and converted 93 SBD to Steem on Friday wasting hundreds of dollars.
I had found out that SBD value had gone as far as $20 and I thought I was making the most of that by converting them.
I now know that I could have traded them on an exchange and got 8-12 times the value of Steem. I thought that by using the 'convert to STEEM button in my wallet, that it would convert it at the rate in 3 days time but it doesn't do that.
So whatever you do, do not hit the convert button. Either hold on to it or trade it on an exchange.
I've seen the light now. Please resteem and make sure nobody else does it.