That is a simple, but crucial question
Generally, I enjoy to live a life a bit under my pay-grade, so I can effectively save money.
Sovereigns, have a bit of a magic aura for me; and they might even carry a bit of family history.
My great grand father during the mid-war times, used to save always in Sovereigns, due to the high inflation in his country, Greece.
In fact, the family survived the German occupation on stacked Sovereigns (the good old Drachma back then soon became less valued than todays toilet paper), while the neighbors literally starved to death (a significant percentage of the population died on famine back then).
I still have some pretty old sovereigns from them. Some in the form of pendants (that seems to be have been a hit in any respectable wife's dowry), or others drilled(!) and chained together on the context of some weird local folk women's uniform piece 🙃
So for me, the Sovereigns are something like between heritage and the last line of defense in times of hardship. I would like to have a certain portion of my wealth on them, they are holy items 😀
But, I certainly do not need any fakes in my stack...