I am a firm believer that one should not hold more in a speculative asset than is tolerable when hard times hit.  None of us like to see XMR go down... but if you have been around crypto for a while you will have experienced some of the most epic rises and drops imaginable.  Some people can't handle it, and that is understandable.  Some people have "bet the farm" and that is risky.  But to each their own!