You make a valid point.. I believe there is a very fine line between living and spending and delaying gratification… like between 0.25-1BTC I believe one should wait at least 10 years before touching your stack..

If you have north of 25BTC then you are golden.. guys with thousands obviously can do whatever the fuck they want.. but low time preference and if possible live off the spare fiat you have that’s not invested in BTC and make it work..