You don't need 5 million, that is just the number that would be optimal.
It's not like it's going to be a situation where 4.5 million won't be enough. It's just what Makoto said he would have, knowing what he knows.
They are not about to say, "surprise, you only have 3 million so your out!"
Hope so. Otherwise i would be a little disappointed.
ps: NEM is almost my last hope in crypto....
I usually feel so bad when I hear that.
This time you're in good hands. It's has an honest, powerful 70 person team with the resources set aside to make meaningful progress.
I would say just get as much as you can when it's still cheap. That's all you can do.