Buy Monero - use it as a store of value / or if you think BTC is better in that regard despite having x2 inflation and a higher supply exchange trustlessly via atomic swap - then once you want to sell either to a DEX/CEX for more fiat shitcoins or a merchant simply go back to Monero and enjoy the power of uncompromised privacy and true fungibility. The fee for the conversion you pay is the price for using BTC as a store of value. 

 I believe you should have both and just hodl them for a rainy day. If that day don't come, just leave it for the kids. Spending BTC would become increasingly dangerous I suppose. When the kids spend it you are already dead so KYC won't matter then, since they have the plausible deniability of not knowing about your stash, which was lost in a boating accident.