Cryptic crossword clue
Comfortable, settling on these, yes, to indulge in holiday writing? 4,5

The most common and most likely answer to this crossword clue is the 4 plus 5 letter word EASY TERMS

E
A
S
Y
T
E
R
M
S

Buddy explains!

The straight part
We know that "Comfortable, settling on these" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case comfortable, settling on these = easy terms.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

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