Not necessarily. Even if you are not planning to cash out entirely, you can go for a phased sell out. Early adopters can decide to sell 1 bitcoin every year. That way you don't miss out on any rallies, and you also take advantage of bitcoin's price appreciation.
People are making things far too difficult for themselves. I have been browsing through a huge number of threads in the last years where people either got disappointed because they went all in, or they cashed out all at once. For whatever reason, it doesn't come up in their mind to buy/sell smaller fractions per time. For them it's like it's all or nothing, which is a pretty noobish way of thinking. It's a pretty basic form of knowledge, but yet people struggle with it. At the time panic kicks in, these people's only priority is to unload everything they have in order to avoid potential further losses -- let them do it their way, at some point they'll understand their mistake.