I really like the concept of Bitcoin, and believe that it has great potential for mass adoption.
well, the "concept of bitcoin" which you claim to like is not about some virtual thing that you buy, hold and make (fiat) profit!
this concept is about having a "currency" that works globally without a boarder or middle man, so it can not be controlled, censored, closed down, confiscated,... so if you really understood this concept and liked it then you already know that it is never late to start using
the unique decentralized currency of the world.
I completely agree with what you are saying. My concern is that in my current city in the USA, I see very few vendors that accept Bitcoin. The main thing keeping me from transferring all of my fiat into Bitcoin is the volatility. I understand my 401K could theoretically drop to $0, but if that happens I have a lot more to worry about than what I have saved.