Either way, I know I’m late to the game, but is it still too late? What may be my best options moving forward??
One thing I would advise is not to focus on altcoins as that's what many of those that think are too late do. They see memecoins and similar crap making crazy ROI in very short period of time, and then they see BTC being $40k-50$k, they get disheartened so instead slowly accumulating BTC, they opt for altcoins and end up being rekted.I did similar mistake back in 2013. I thought that I was too late to the party as I couldn't afford one whole Bitcoin so instead buying fraction of it, I went for altcoins, bought GPU and spent money and time mining shitcoins and ended up with nothing in the end. I took a break and came back to crypto in the early 2017 but this time I was smarter and went for BTC instead, even though some told me that it's too late now, back when BTC was around $1k which is now dirt cheap price.
You are very fortunate to have entered this crypto space so early. Many, unfortunately, discovered cryptocurrencies much later (, and some will yet discover them). Perhaps this is also a generational issue. As an example, I first learned about crypto during the 2017/2018 bull run. However, I passed up the idea of investing at the time because I deemed it too late. Well, we all know how that ended.
There is an old Chinese saying "The best time to plant a tree was 20 years ago. The second best time is now." I think the same philosophy applies to the current crypto market.