I think the key is keep the fiat income coming in and use the crypto as a nice little retirement fund - I'm going to take out as much as I can to keep me just below the CGT tax threshold in the UK now i've done OK - for you it's not too bad holding a stable coin on Coinbase for a year - I guess it's it's just like taking profit on the way up!
The loan option is an interesting one, assuming you can count a loan against CGT. It's a risk though!
TBH if your gains are looking anything like mine, what's 20% on a withdrawal anyway?!?
RE: Living From Cryptocurrency In Germany? A Reality Check