The whole "never sell" mantra is unfortunately misleading.

The message is to never sell because of the price. Which means at do not see because Bitcoin price is super high, super low or somewhere inbetween.

But if you need to use your Bitcoin, be that to buy a house/car/pay off debts, then do it. Using Bitcoin is the goal, not selling it.

If using it requires swapping it for fiat first, that is just a detail.