I have been getting paid in bitcoin as my main payment type for over a year, to be honest the up's and downs dont make that much difference, you are talking a couple of $ normally, it's not often that you see the 20-50% jumps anymore, the day to day is normally more like 1-3% with the odd blip of 5-10%.
That is also the number 1 reason why you dont keep money on an exchange, you have no control over it. While it may have been a bug in the wallet that allowed for my transfer to be made it was ultimately my own shortfall on my network security that made it possible.
If you have your life savings in bitcoin then you really should be using a hardware wallet that is not accessible from the internet, like a traxor or a nano s, if your investing that much into bitcoin the $100 to keep it secure shouldnt be a big deal.
Ultimately with bitcoin it comes down to if you loose them, you did something stupid... opened a program you shouldn't have, clicked a link you shouldn't have, didnt set up disk encryption, lost your seed, saved your seed on your pc or email or left them on an exchange. When you have 100% of the control over it, there is literally no one else to blame when things go wrong.
Transaction fee's are minimal, the most I have paid for a transaction in the last 12-18 months has been about 70 cents which was under 1% of the transaction, you can pay more if you want, that's completely up to you, the more you pay means the faster it's going to get processed, but you can send transactions with a 0 fee if you dont mind waiting a week or 2 for it to get paid or be returned because there wasnt space in a block to include your 0 fee transaction.
