There is no such thing as too late to buying bitcoin when you're buying with a long term holding view which for the next bitcoin circle. People that get too concerned about the price making excuses of how high it has gone up to are those who want to invest for a short time and so they fear that they might not make profit from where price is.
Sometimes in 2024 $50k price was said to be high and considered by some as being late to buy but today to an ATH of $109k thereby making $50k that waa formerly considered too high and late to buy now a lower price that we can call the dip today. Same could happen in 3-4 years from now where we will call $109k a dip because by then price would have reached $200k and above. For those that has been following bitcoin price history will agree that no time is late provided you're buying for long time holding.
Every cycle that occurs always results in the statement that it is too late to start and they miss the best opportunity to grow their ability to make money. On the other hand people start doing something about their interest in investment and even though the price is getting higher they are looking at the next ATH to make a profit in that period. In the next four or five years we will still hear such things and to me this is something that is normal because they did not know bitcoin before.
As time goes by we realize that bitcoin has made tremendous progress and maybe it is time for people to start showing interest based on the knowledge they have learned about the journey of bitcoin, thus people will come to a conclusion based on careful consideration to start with.