It depends on whether or not you are a speculator. If you are not a speculator, then it really doesn't matter. If you are a speculator, then you really don't matter. 
I'm a relatively small Bitcoin investor but I also actually pay my employees in Bitcoin. It saves me thousands of dollars a year vs Paypal. The recent network congestion was a firsthand exposure of the dangers of failing utility as transactions started getting stuck and fees became dangerously uncompetitive.