So there are lots of technical reasons you should think about what you want your "stable" value to come from. USDT for example is not the best but is also not the worst in the world of centralized stable-coins, however that is not saying much... (censorship, wash trading, insider minting, laundering, etc...)
I would strongly recommend you look into decentralized bitcoin based solutions, and also don't just ape funds into them, treat them as if they are not provably secure (because at this point they are not, however they seem quite conservative and open about assumptions).
One example of an experimental decentralized bitcoin based stable-coin service is Taro which allows you to issue your own stable-coins against your own collateral (bitcoin). And these coins would be theoretically 100% redeemable for the underlying value assuming the dynamics are secure. But like I said this is experimental stuff so do not just ape into it, especially since it is for stable value. Hedging into a stable value usually does not inspire this behavior but I still want people to be cautious with new financial products.
“As an example, if Alice wants to send Bob a Taro stablecoin asset, she’ll create a new invoice that quotes, say, $10,” Osuntokun said. “Bob will then use a ‘hop hint,’ which are extra routing details provided in the invoice to complete the route and calculate the amount of network fees (paid in bitcoin) to send over his first hop, which will traverse the internal Bitcoin backbone and eventually drop off enough BTC at the final hop to complete the payment.