10 XMR is approximately 0.0000542% of the total XMR supply.

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Wouldnt' I need to keep stacking to retain the above 0.0000542%, to not be diluted over time?

That would be the case when assuming all coins remain in circulation.

Users lose access to wallets, keys are lost. As more people use a currency, less coins are circulating as they accumulate their wealth.

Therefore the price tends to go up or at minimum remain fairly stable despite troubled times.