The amount we invest depends on how much of our discretional and disposable income we have after taken care of our personal needs and a provisional emergency funds, yeah you right about saying that those who have lesser risk tolerance level we tend to invest more than those that have higher risk tolerance level which differs individually even in terms of our income flows and expenses so any one can only invest the amount that suits him or her in terms of income flow, psychology, risk tolerance level and investment goals and objectives.
It doesn’t really matter how much we start with and all that matters is to invest in bitcoin and gradually we can build our portfolio and accumulate more bitcoin regardless of one’s risk tolerance level. When investing you should try not cross your limits and only invest what you can at a time.
So if you really want to be comfortable then just set it for investment without having to think again to be used as trading especially if we don't understand the trading scheme because in the end it can be like gambling where you only guess according to your instincts.
I wouldn’t advise a person who lacks understanding of trading to think of channeling their investment funds into trading because of the risk involved, trading has higher percentage of risk than Investing and holding and also trading carries more work load than investing because there are lots of things to be learned and understood before one starts trading and even after having the required knowledge the risk is only reduced and still not equal to or less than that of investing. Trading requires practice to perfect to some extent and to achieve this takes lots of time and effort and at the end success is not still not guaranteed. This is why beginners are advised to accumulate bitcoin to hold instead of trading.
I will keep on saying it that Mr. A , Is trading is not a yardstick that every one will trade, while long term holding is basically patient inorder to make it huge trading is full of psychological thinking, and monitoring your trading 24/7 is not a small task. Wisdom is the principal thing and getting wisdom and applying it right make you smart and succeed in the BTC investment, you don't need to kill yourself first before you make money because if you die through emotional disorder courses by the market why trading even the one you have for you account may not be enough for the trader burial, I am not saying trading is bad to them that are good they should continue but one in comparison when you have not appetite or strength for the market is very wrong, the first time I hard if the DCA strategy it keeps ringing in my heart all the day as the only option to accumulate BTC and achieve my goal.