Does anyone still remember the price of ICO? I remember when I regretted not investing, up to 20 times from July to the present
It depends on exactly when you would have invested, since it was in ethereum. From monacos twitter page the average announced was about 2.50usd, but some people got as low as 1 and a bit usd.
So yes, getting in early would have been a great result!
Yea, on the other hand some people (including me) were trying to join the train a bit late and bought in around $22... and than waited for a month and sold for $6 to join some other project...
I guess everyone has to learn from his own mistakes 
If you really believe in some project, you should average out your losses when it dips. Like you I also bought at 20ish and kept on averaging losses on dips, as I really liked this project.