I think it is better this way. ETH and BNB both, are the best in terms of alt and can recover from their loses. Bitcoin is the king of crypto, it will recover from any loss you put on it. Just make sure not to panic if any fluctuations happen in the market and remain your calm and you will be better.
Yes, this is nice thing with top-coins. They can recover your losses over time. If you invest in some low market cap coin, your investment may drop to zero overtime. But with top-coin, you are insured against this. Your investment may drop for first few months but over-the-period you will gain.
Yes because top coins price increase / drop won't be that much.
It's just like the higher risk higher profits, and lower risk lower profits. If we invest in a low marketcap coin we can get a hundreds percent profit if the proejct is going well and make some demands