When using BCH in a payment. Do you buy back that same BCH later on an exchange?

I was curious to hear how BCH is being used right now by the community. Especially what you would do after a transfer to maintain your BCH balance.Let's say you wanted to send a 100 USD worth of BCH to a friend right now.

1. buy 100 USD worth of BCH on exchange -> transfer it
2. Use the 100 USD in BCH that you have on your wallet-> transfer it -> buy back the BCH that you used
3. Use a system where you have 5% of your money in BCH (current account) and the rest in (gold/fiat/btc, acting as a savings account). After every month rebalance the accounts
4. Keep funds in BCH and use it as both savings and current account, top it up every now with other crypto/fiat.
5. something else?

submitted by /u/M1xelated
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source https://www.reddit.com/r/btc/comments/bfa9ci/when_using_bch_in_a_payment_do_you_buy_back_that/