For most people it's worth risking everything since at the end of the day of the merge is successful then people can actually use it to gain loads of profits as well thus its equivalent to take that risk and actually try and buy some eth and store it as well, I do think that for most people it would be better to be cautious and that's what most wallets and trading platforms are following but it can also be a missed opportunity as well.

I do think for the eth there is high chances that it would not only be successful but at the same time it would also increase the value overall. Banning the trading of it would also help stabilize the price before it all happens.

Also please remember that the countdown is not written on rock, it can change and it has been changing do we can still expect some delays.