if its denominated in BTC
there aren't any gains.
you said if you went all in now you can retire in 8 years.
that's pursuing fiat gains.
monero isn't going to do that for you.
you know that, which is apparently why you prefer bitcoin.
despite the privacy risk.
you get more fiat purchasing power
but at the cost of surveillance and potential confiscation.
everyone decides the tradeoffs that work for them.