Fiat Withdrawals vs. Pure Crypto: Is MoonPay worth the wait?

[Mocko]

 I usually keep my entire bankroll in Bitcoin or Litecoin because the withdrawals are basically instant. But I recently had a big win and looked into using the MoonPay "Sell to Card" or local Bank Transfer options to cash out directly to fiat. The cashier says fiat bank transfers can take 1 to 3 business days. For those who actually use the fiat withdrawal methods instead of crypto, is the convenience worth the delay, or should I just send it to my cold wallet as usual?