Yes, please don't get me wrong, I love bitcoin too, but let us borrow those sleazy wealth managers shenanigans for a bit and say that it is wise to have a small percentage of your portfolio in BTC. Well, what I am arguing is, have the biggest position in your portfolio be BTC and allocate that small percentage to XMR. It will not appreciate as greatly as BTC, but it will appreciate somewhat while allowing you to conduct business in private in a not so private future, where that means of exchange will become ever increasingly difficult to came by. For example, let 95% of your stack be BTC and 5% XMR and just keep on accumulating.