I also recently invested more than I could afford to lose (going from 95% in to 98.5% when price was around $10-11K). Best decision I ever made! This was also on the basis of selling the 3.5% when price broke $18K, as it's actually money I need

This time you were lucky enough to get a good return which is really good news. Investing in something with a loan, and more than you can afford, is risky. There is no doubt about the potential of Bitcoin. We know how far Bitcoin can go in the future. But when you consider yourself as an investor, you must pay attention to money management. Hopefully in the next steps you will be able to control yourself more.