Store a significant number in cold storage as I'm long xmr and keep a set number liquid for weekly purchases.
xmr.to has been a fuarrrking blessing and comes in use when you want to gain the anonymity properties of monero when paying bitcoin without just placing your trust in multi coinjoins from joinmarket.
If you do go down this route, you should in all seriousness make sure you xmr to xmr seeing as we shouldn't just assume that the lax logging policies outlined in their tos and should want to remove the link between you and the centralized service.
Same should be said for shapeshift and bitsquare (y is decentralized, but the selling party still has a link to you the buyer), when exchanging between altcoin X -> zec or xmr.
IMO as a currency it has a bright future when you compare it to others who have failed to usher in privacy by default - I'm looking at you dash, and may still have hope - zcash, when it improves its solvers and defaults to shielded addresses.
Main hold back's of reaching mass adoption are lack of multisig, ease of use - a stable NUI.
All these are ongoing in development, with even bounties waiting to be had, so optimistically go with 9 - 12 months, or more likely pessimistically say 15-16 months to implement.
A past dev who won't be named is to blame for most of the delay.
Taking advantage of his position by conning miners and giving himself the upper hand, taking in votes for future proposals of the code base, ignoring his counterparts favoring no and doing his own thing.
Fortunately he's no longer a part of the project and hasn't been for some time and the current devs, fluffypony, snipa, wolf and whole list of contributors aren't benevolent pos.
All above are ongoing in development, with even bounties waiting to be had, so optimistically go with 9 - 12 months, or more likely pessimistically say 15-16 months to implement.