I don't understand... What opportunities am I missing while holding and not spending Bitcoin? The only opportunity that comes to mind is to buy back more Bitcoin if it's price drops. But no one can be sure that it's price will drop.
Do you have everything in your life or there is something that can be changed with money? Is there something that your really want, but you cant afford it right now?
Lets say you have 20 BTC and you can buy a new house
now. Or you could hold them and hope that their value will increase. But their value could also decrease.
It about having something now vs probability to have it or not in the future. What will be your choice?