I wish I'd stumbled across it 10 years ago!

Realistically, even if you stumbled across bitcoin 10 years ago, chances are you wouldn't be any different that many others who played a little bitc with bitcoin and simply forgot about it. Who expected 10 years ago that bitcoin will be what it is now, and with this price? Absolutely no one, and probably not even those heavily included into all this.
With that being said, I don't think tat you are late to this party even if you just joined and bought your first bitcoin, as we are still in the early days of crypto adoption and don;t let this current price discourage you.