Procrastination which is said to be the act of delaying something important despite knowing the consequences of doing so, is one of the reasons why many people miss out on big opportunities.
Procrastination can be because of your hesitation, uncertainty or it can be your lack of investment budget.
If you don't have investment budget, you only can work and in the meantime, have to procrastinate your investment.
Don't be hurry and borrow money to invest because you don't want to procrastinate.
If you have investment budget but hesitate to do it several months before a halving, you must look at history of bitcoin and its price after past halvings.
I definitely agree with your statement.
Even if the halving is slowly coming, this should not be a reason to disregard the basic rules of investment. If you do not have sufficient resources in order to purchase BTCs as of the moment,
never take out a loan to proceed your investment. A risk in itself should not create further risks.
In order to maximize this event, it is recommended that a person should allocate and budget their resources for investments entirely. Like what OP mentioned, avoid procrastinating and investing at the last hour- this is something that should be well-prepared and saved.