Not too late, no.
Bubble? Yes, but just the beginning.

You can have a good time until end of 2018, beginning 2019, but that's just my estimation of when the potential bubble will burst extremely.

Most people talking about a bubble or the general doomsday sayers are veteran traders who don't realize that the time has changed. BTC and also Altcoins aren't geek-exclusive anymore. More people joined and are still joining. Soon Wallstreet boys will re-enter and after that the mainstream. Until the mainstream enters, we are going to have a wild ride.

Rule of thumb:
If your family asks you to buy a bitcoin for them and they are not tech-savy and not from Japan: gtfo!