Either to be honest. I just don't want to put in 100 a month to wake up 1 morning to find rates have massively dropped
If that's going to cause you sadness then you shouldn't put a penny in. It could happen at any moment. People who put money in at the end of 2013 had to wait over three years to break even. There's a lot of risk however you want to look at it. Everyone here's taking it and that's why the rewards are potentially very high or non existent.
Yeah, time will tell at always. Noone is a genius without luck in my opinion. You could be smart but that's not all. Don't spend pennies when you have dollars , and of course don't spend dollars when you only have pennies. Don't invest money that you couldn't efford to lose.