I have always advice people to plan their investment to cover for personal needs and also some other emergency needs such as a season like we have now. Through proper planning, there will be no need for the investor to sell bitcoin for this kind of holiday unless the investment was made separately for such and different from those kept for long term HODL. This is not bad in my opinion because there are people who save fiat for holidays and if someone can save fiat for holidays, then bitcoin can also be saved for the holidays.
You hit the nail on the head. This has also been my point, I have seen post that encourage people to carry our very stringent Bitcoin investment which is only for the short term because it's hard to only focus on Bitcoin or any other investments while neglecting your personal needs, it's just a matter of time before you deep hands into you Bitcoin wallet.
Always consider yourself first before investing, best you can find a way to increase your income this can also come in handy.