I'm confused by your question. I hope I'm not misunderstanding what you're asking, but here goes:
First, the FDIC does NOT insure stocks OR bonds. No one does. They both have their own risk factors, and that is what you evaluate when deciding how much and when to invest. You accept a certain amount of risk on investing, based on what you hope to receive back in profit.
Now if you are talking about the SIPC, that is an entirely different guarantee. It is designed to protect against brokerage fraud, where the SEC closes down a firm for breaking regulatory law, and liquidates or sells the assets. It does not protect you if you are losing $$$$ in the market, under any circumstances.
From the SIPC website:
"....SIPC protection is limited. SIPC only protects the custody function of the broker dealer, which means that SIPC works to restore to customers their securities and cash that are in their accounts when the brokerage firm liquidation begins.
SIPC does not protect against the decline in value of your securities. SIPC does not protect individuals who are sold worthless stocks and other securities. SIPC does not protect claims against a broker for bad investment advice, or for recommending inappropriate investments.
It is important to recognize that SIPC protection is not the same as protection for your cash at a Federal Deposit Insurance Corporation (FDIC) insured banking institution because SIPC does not protect the value of any security. " (emphasis mine)
I hope this makes sense, and clears up any confusion.
To answer the OP, if I were to liquidate our entire portfolio, it would be a pain in the a$$ to find multiple banks to deposit the cash into. There is also the consideration that half our portfolio is in a non-taxable account, e.g., an IRA. Liquidating would create a massive income tax bill at the very highest rate, which I believe is still 47%. In addition, our Medicare premiums would also jump to the highest level, quadrupling our healthcare costs.
I cannot envision any circumstances where it would be worthwhile for us to incur such heavy additional, and unnecessary, costs.