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I also agree with you there is no such thing as late to Bitcoin not unless you are aiming for the lowest price like OP have mention back when it was just worth a penny.
But it could never be back to that price again so we should just move on and for those who still wants to be part of crypto there is no such thing as late investor's,
Maybe wrong timing in investment but you would never be late because the price always fluctuates so it could always go up or down so we could get it at a lower price.
yes, joining the bitcoin community is not in anyway considered too late. everyone is welcome anytime and the more we are here, the better for crypto community in general. but yes, you should not regret of the time that the btc was still a penny and you were not there as we will never see that price again in my opinion. just move forward and plan your future in this amazing community. you still have a lot to learn and i assure you, you not regret of joining even this forum as the knowledge here is so vast.