The financial foals should be parted into two, short-term and long-term goal then only it is possible to achieve them one by one but most of the retail investors including crypto community set their goals longer but they miss to see the obstacles in the near future such as sudden changes in the market which will make them to panic and make wrong choices which will go against what they planned initially.
I think I will disagree with you on this becausen in as much as our financial goal on investment is making profits but considering a short-term investment as a back up investment is not ideal for me.
From your statement you mention the obstacle or challenges for long time holding is a sudden change on market, perhaps you are misunderstanding short-term to long term holding because there is know way you could be affected by a sudden market movement when you are holding for long.
Well it depends on your definition of short-term investment because as an investor the only way to be at peace and free from price panicking is by holding for a long time because achieving anything on short-term investment on Bitcoin is like a gambling but if you hold you will likely see the benefits.