Cashout Monero without KYC

I have been holding Monero for some time and now want to convert part of it into stablecoins to pay for a few upcoming expenses.

I would prefer not to use large centralized exchanges. Privacy and keeping control of my funds are important to me. I have looked at some peer to peer and decentralized options, but it is hard to know which ones are reliable and have enough liquidity.

If anyone has personal experience converting XMR to stablecoins like USDT or USDC in a smooth and trustworthy way, I would really appreciate hearing what worked for you. I am mainly interested in options that do not require giving up custody or going through heavy KYC.

Thank you for any advice.