In the long run everything will be just fine, but the short term can turn into a complete mess in case the chain split really happens. But the thing is, it's only speculation that doesn't hold much value as we speak. It's good that people look at the risks and everything, but it's unnecessary for anyone to over-exaggerate this whole situation. If I was to advice you in case you haven't bought any coin yet; If you happen to buy yourself a position into Bitcoin, then just make sure you have enough fiat aside that you can put into action, just in case. We might even test the $800 level within a week or so.