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Honestly, the feeling that a lending position is only three steps away from liquidation is even more nerve-wracking than watching the market. I usually stop and avoid adding more to my position first, bringing my health level back to a "can sleep peacefully" zone: either add some collateral, or pay off a small portion of the debt, whichever is more convenient. If that doesn't work, I just reduce my position directly; losing a bit on fees is better than being liquidated in the middle of the night... I’m not sure if I’m being cowardly, but efficiency comes first.
Also, don’t forget to run through authorization, cross-chain, and repayment paths in advance and leave traces; when it really hits the critical point, looking for a bridge or wallet will probably be chaotic. Recently, modularization and DeFi layer storytelling have developers excited, but honestly, as a user, I only care about: the chain not lagging, the bridge not acting up, and no weird issues during liquidation. That’s it for now—keeping the position lighter helps keep the mindset steadier.