There is a lot of competition in the space, a new frontier. I never advocated putting your life savings in it, much like you wouldn’t stock your wallet with millions in cash, that is what Bitcoin is for! For spending money though…..it’s worth a shot. 

 Yeah I’m sure it’s easy enough to swap sats for xmr (never done it though) if you want to tx privately and your counter party will accept the xmr. Spend it how you see fit, the beauty of permission-less money.