Aside from what others mentioned in here, why not just do your everyday life like usual without involving crypto? OP, I think you are overthinking about the bearish market coming. With that kind of overthinking, you are already jumping into conclusion of Bitcoin jumping to 100k and other "what ifs" situation/s. Don't risk your fiat to other alts, just by how Bitcoin is already more than 4 digits.  As what 20kevin20 mentioned, you don't need to own a full Bitcoin.

It does not matter if you can only afford .02 BTC. It is still Bitcoin regardless of its amount or even its equivalent to USD.