Do you consider Monero as investment or only the payment option?

I use it for spending and to store value.

It is up more than 2x since the binance delisting last year and has outperformed Bitcoin, anyone saying Monero can't work as a store of value is wrong. Because it's so stable, it works even better. During this week's crash I was not very worried because I knew XMR is rising in price die to its utility, not from speculation, and this crash did not impact its utility in the slightest.