I have been going back and forth on this for a while and I want to know what people here think.

I am 23. Full equity portfolio right now, basically 100% VWCE. No bonds. The standard advice for my age is that I have enough time to ride out any crash so bonds are not worth the lower return. But interest rates are still relatively high compared to the last decade. Bonds actually yield something now. And part of me wonders if a small allocation makes sense just for stability. At the same time I look at 30 year historical data and equities win every time over that horizon. Every single time. So why would I give up return for stability I do not need yet.I know the textbook answer. I am curious what people are actually doing in practice.Are you 100% equities? Do you hold any bonds? Did you change your allocation after the last few years of volatility? And if you are older and already went through a major crash with a full equity portfolio, did you actually hold or did you panic sell? Because I think that is the real question nobody asks.