it's not just about waiting and anticipating Bitcoin to hit $100k that matters, it's more of buying and building a good portfolio before it even gets to that price that matters the most.
There are plenty of newbie bitcoin investors who are already accumulating bitcoin in the past recent years who are ONLY able to buy so much bitcoin per week, and so they will still be accumulating bitcoin once bitcoin reaches $100k and beyond.
There will also be plenty of brand new entrants to bitcoin who will be accumulating bitcoin at $100k and beyond, so there will be plenty of folks who had not been able to accumulate enough or close to enough bitcoin in the sub-$100k prices.
Perhaps thinking about accumulating as many BTC as you can in sub-$100k prices, but don't be deterred from ongoingly accumulating BTC whether BTC prices are even supra-$100k, especially if you are still in your BTC accumulation stages.
This is interesting to talk about and what you have said so far is not far from the truth. However, it is important that we understand that the past performance of Bitcoin wont indicate the future results. The decision to continue buying Bitcoin even after accumulating a good amount is an investors choice. An investor may have buy at a cheaper price months ago and still choose to buy more in the next two years without minding the price difference. To some investors there might be need for diversification based on an asset that might be a lot cheaper to buy back them or with potential like Bitcoin and it may be the choice of those investor. Am clear that the thirst for buying more Bitcoin doesn't quenches it increases more as time goes by.