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In addition to what you said about the wrong idea of piling up funds in fiat to an extent before buying bitcoin is that in your bank account, the value of your currency will be depreciate due to inflation overtime, so why not buy bitcoin immediately with the little amount that you have to keep value of your funds and also to increase the amount of bitcoin in your portfolio gradually by putting your DCA ongoing, persistent and consistent for a very long time.
I could remember when I was very young, my siblings and I had one saving box each and whenever we are given money by family friends, visitors and relatives. We put the money in the box and we continue doing this for two years, when the time came for me to break my own saving box for the funds in it, I was shocked at how much I realized. It was big amount that some adults might will not be able to save on their own and you will not believe that the money will get to such amount.
Imagine if you are now buying bitcoin with your discretionary income whenever you receive your pay for 4-10 years above, how much will your bitcoin size be since bitcoin is an asset that the value increases overtime not like fiat that is stable.
Yep.. .a kind of doubling of the power of both stocking away value and also the possibility (even though not guaranteed) that some other kind of upside change in value might also end up playing out.. surely not bad odds of such possibility of upside value growth, even though not guaranteed and we might also not know by how much or how long it will last and various other factors that sometimes have ended up in BTC holders becoming overly nervous in regards to how to deal with such outcomes when they had ended up occurring... Hopefully members in this thread have some ideas about what they are planning to do rather than having no idea.