I cannot completely deny or even avoid that well-planned things sometimes fail due to unexpected obstacles. Management is certainly necessary regardless of how much it is needed in the long term, I would also like to call it complex because management is not only about budget but also about risk management and psychological management.
The different financial strengths of one investor and another can differentiate their way and approach to investing. If I had $100 this month, then maybe I'd like a lump sum instead of DCA. But if I have $600 - $1000 then of course DCA is a good approach for me. It all depends on each person's finances, that will differentiate each other.
I appreciate your focus on managing risk when dealing with Bitcoin. Let me add to what you've mentioned. If you're an investor aiming to reduce your risk, you might want to consider Dollar-Cost Averaging (DCA). However, using this strategy means you're less likely to make really big profits but also less likely to incur losses. On the other hand, if you're looking for a higher potential to make substantial gains, you can opt for a lump sum investment.
If your goal is to slowly accumulate Bitcoin while minimizing risk, even if it means having a smaller amount of Bitcoin in the end, then DCA is a good option. For most regular individuals who want to gradually build their Bitcoin portfolio, DCA is a wise choice because it allows you to get a reasonable amount of Bitcoin based on your available investment funds. The choice is yours to make based on your financial goals and risk tolerance.