Scared money don't make money. It's never too late. It's better to start than to never start at all.
You have the hindsight of 6 years of alt crypto mining. History has show that last statement is only true when timed appropriately.
Right now I would be selling cards, buying coins on weakness (eth and zec are 45% off from highs), and amassing capital to buy all the liquidation cards come September.
Why mine for 3 months only to pay the 1/2 the risk of buying cards. Patience should reward those who can buy a 1070 at pre insanity prices.