I know that btc-e requires verification to withdrawal USD, but do they require verification to convert to USD and let sit until I want to trade it for other coins?
Again.. NO usd withrawal. only BTC->USD -- USD->BTC/LTC/etc
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I use them for my primary exchange. You can sell BTC/LTC/etc. for USD and hold the USD in your account without verification. As far as I can tell, there is no verification process nor a way to withdraw USD other than as a BTC-E credit. In my experience, you're better off finding a reliable third party that specializes in buying BTC when you are ready to cash out.
This is not the BTC-e help desk.
For information their exchange is incredibly unresponsive to help requests, and if you are a new customer or if you transfer any money in to the exchange you have to jump through hoops to withdraw.... or wait the customary 30+ days until your account becomes responsive again.