[protomok]

I would argue mining is much lower risk but has much lower potential for reward.

After paying off the card (<=4 months of mining) all earnings from mining can be converted to USD for example on a monthly basis. The odds of even 1/10th of major coins switching to PoS in the near future is very low.

I completely agree that just owning coins has way more upside and I suspect you'll do very well! But I prefer the asymetrical mining returns - I have lots of upside and almost zero downside versus extreme upside and extreme downside (crash in coin prices, hacks, regulation, etc.) from owning coins. But to each their own!