When I was new to crypto investing, this was the method I usually followed. The saying "invest as much as you can afford to lose" gets forgotten after a while. Someone who trusts Bitcoin and says they won't use their own money for a long time will invest more than they can afford to lose. Someone who starts investing regularly will also invest more than they can afford to lose. This is usually the case. Because when they buy small amounts of crypto, they don't care much about the money, but these small amounts grow over time.
You forget to mention that constant accumulation is what amount to huge starched in the long run, this is because buying little by little makes investors to accumulate more bitcoin even more than they afford to lose on the loan run, but if you check closely you will know that the process of accumulations may take time and the amount at the certain time may be what the investor can actually afford to Lose.