You may end up getting tricked by your own sense of what is considered to be a low price, rather than staying focused on the more important thing which is continuing to accumulate bitcoin persistently, ongoingly consistently and perhaps aggressively until you reach more than enough.  Of course, no one can answer the question of "what is more than enough" except for you, so you could end up coming to the wrong conclusion... but sure, at least, if you have already accumulated a decent amount of bitcoin, then it might not be a big deal to wait.. but it still does not mean that you are going to end up arriving at the correct conclusion.

I am not saying that I really know either.. but if BTC ends up going 2x to 20x higher, then you might realize that it would have had been better to stay focused on continuing to accumulate BTC.

Even with myself, I had accumulated quite a bit in 2014 and I had tentatively concluded that I had enough BTC, but I could not resist continuing to accumulate into 2015, 2016 and early 2017, so even when I look back at my earlier assessments, I can see various faults that I had in my thinking, but most of my faults related to ways that I might have had been able to continue to  accumulate.. and so it can be hard to really know while we are going through something if we might be striking a correct kind of a balance, and it seem to me that your  balance is that you are afraid of using your fiat at these prices and then feeling like a sucker if the BTC price ends up going down and you don't have any money left.