Imagine a situation where you own a house and a piece of land it's built on. You estimated the value of the whole thing to be $500k. One day someone knocks on your door and offers you $2m all of a sudden. Will you sell or suspect they know more than you? Maybe there's an oil deposit underneath your house? Maybe there's geothermal energy source? Maybe an international company has plans to build a facility nearby and will need your land for whatever price?
Your analogy has a huge flaw. Bitcoin is fungible, houses are not. Like you pointed out, there can be reasons why a house could be worth many times more than the house next door. But bitcoins are worth the same as any other bitcoin, if you ignore that ordinals nonsense.
There is no way anyone will offer to buy coins for higher than the market prices. They will just go on the market and buy as much as they want there.
And I will say some portion of my coins if the price will rise high enough. I will always hold some Bitcoin in my portfolio, but I don't plan for it to be the largest share of my portfolio - that's an unnecessary risk that in my book is not worth the potential outcomes.