Buying 1 BTC was realistic for many people before the first 3 halvings. Now that is no longer the case.
It's still realistic and the same questions will rise again when we're gone far and the prices are too much already.
How many people have $40 000 they can miss? I'd say 0.01%
I personally had about 70k in savings and spent 13k on 0.3 BTC. I was interested the whole year, but I was chasing the 10k low that we never hit.
I'm in doubt, whether I should buy 0.2 more or there will be a better opportunity.