Either way, I know I’m late to the game, but is it still too late? What may be my best options moving forward??
No, you're never late. In fact, no time is late in crypto at this stage. Also, bear in mind that this momentarily market crash should be taken as a cue to go in.
I think everyone should have at least a fraction of Bitcoin locked.
Yes, I believe everyone would love that but then it's not always easy and possible to do. Those who barely feed well or have sustainable investments can hardly keep Bitcoin by the side as savings. No one will want to go hungry to a point of death if they've something to fall back on and not do so. Only a man who is alive can save.