There isn't really an answer to your question, that works for everyone. It's a personal thing.

My "need" for curecoin, is to offset the cost of folding, and to that end I keep about 10% of my holdings on an exchange with a sell order that will allow me to make a "substantial" upgrade.

Basically, Curecoin has allowed me to fold for free for the past year or so. (I've been folding since 2004, so anything that can help with costs going forward is great)

In regards to selling, I guess that depends on where you are. In the UK, the fastest way to get from having cure in your wallet to having real money in your bank account, is a 5 step process that takes about 2 hours on average.

Step 1 Send cure to exchange
Step 2 Sell cure for BTC
Step 3 Withdraw BTC
Step 4 Sell BTC through an online trading martketplace (this bit requires some common sense and research)
Step 5 Have ££'s deposited in your bank account.

In the UK, financial regulation is pretty tight, so the above procedure is quite routine, quick, and safe.