I'm, personally, trying my best to amass both. I had been doing a push for 10k HP, but with the 20% APR on HBD I'd have to be a complete idiot to not see the long-term value in that. And, as I'm here for the long haul... it's a no-brainer to dump extra into that. But, I've also never ever powered down anything so, I'm going to keep stacking both. I don't write prolifically - I have two very young kids and am pushing hard to transition from QA to Developer in my day job, which leaves me less time than I'd like... but I still manage to blog about the things I enjoy and it's definitely helping achieve my goal of gaining enough HP to help small accounts get nice-feeling updoots, and helping me put something speculative away for when I'm retired and running D&D for old folks LOL.