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
That's a risk you should consider taking before jumping in and investing to cryptocurrencies. You should be aware of the volatility of cryptos in the market that anytime the price could drop a notch or in vice versa. If you will make a thorough research to your potential investment, then you should know possible scenarios that could happen to it and take it to your account that you will know what to do by then.
I agree to that. We should know what are the possible scenarios to happen by doing research, a lot. That is the best way to lower the risk and have a higher chance of making a lot of money through years of holding the cryptocurrency that we will choose, in fact, it is not only applicable to cryptocurrency but also for the other investment that we can do like in stock market.