IB Cash Account vs Margin Account. What’s your advice?

Margin for me, because I love to leverage~ but max 1.3x

To add on to what YJ has mentioned, margin account is much more flexible than a cash account.

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One issue encountered by IBKR users sometimes is that they are unable to buy stocks immediately after converting currency. This is due to mismatches in the settlement dates between the different markets - for example, the currency conversion may take 1 additional business day to settle due to a public holiday here in Singapore.

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A margin account will not encounter such issues, but in such a circumstance you might incur a day's worth of interest. It's worth it (in my opinion), especially if you are trying to capture price movements to your advantage.