Only advice that I could give to you and other people, is to stay away from mining for now. Profitability of mining has fallen drastically, also prices of GPU's are too high. You would need large investment for start, and not to mention rising in mining difficulty. So for now you should stay put and observe.
It's always better to get in when seems less profitable, than when it makes $3-$6 from a card and when you hear it from TV and cards prices rocket sky.
Right now you can buy some decent RX570 for $400 a piece and an RX580 for $500 per. I'm deeply doubt cards will see $200-$300 ever again.
There is truth in what you say. Sometime risk pays out, but I doubt that is the case for CPU mining.
There has been some news about ASIC miners for other crypto beside bitcoin. Ethereum was in first place among those crypto. If that really happen and those companies make ASIC miners for other crypto, I guess that would affect price of graphic cards and make them fall down a bit. But even if prices drop a bit, they would still be really high.