Both is the same. The only difference might be who is holding the bag in the end.

What would be consequences of a crash?

One thing I’m thinking is that a crash would likely lead to higher interest rates for everything… but fossil energy is also highly capital-intensive, too, and runs only on cheap borrowed money, too, therefore… wait it is hard to grasp how that could turn out.

Anyone has tips for potato gardening?

Favorite is OpenSuse Tumbleweed. It’s stable mostly, and quite fixable when it isn’t. Just a great overall balance.

I am actually thinking that a stable-stable distro like Debian or OpenSuse Leap as a base system, and on top either GNU Guix or a VM with Tumbleweed or Suse Slowroll is a great option. Very stable for productivity, and at the same time very current for programming and exploring new stuff.

I currently use Debian stable, and both Gnu Guix and an Arch VM on top.