What is the need of taking profits overtime? what will you be using the profits to do? those are the questions and projecting 20-30 years will depend on the age of the hodler and if they have also reach their target of accumulation. The only time i can consider to take profits from my investment is after i must have accumulated to my satisfaction and have made a lot of profits which i know that if a take the profits i will invest it on something productive but taking profits and still keep it in Fiats or some stablecoins will make no sense at all so before intending to take profits you should be able to have a concrete plan of what to do with the profits you have gotten from your investments.
Profit is taken either when it's needed or when the target is reached.Other than that - surely, one should hodl more and stay happy doing so.
Talking about the bold words in your statement, honestly it's mostly traders that talks like this, you don't take profit from your holdings because you are in need, that's why source of income and an emergency funds are in place to sorts out your financial needs, your Bitcoin holdings is an asset you hold for a very long period of time in other to change your financial status for ever, not what you just hold and decide to withdraw because it's been needed to sort some financial needs, it's only traders and those that Normally sell their Bitcoin for minimal gains that thinks and speaks that way.
Actually I don't see any problem for doing it especially if you are on need of immediate funds. I understand that we need to have build a emergency funds so that we can cover those emergency situation that we might encounter in future. But not everyone could set this up as fast as we think since there are people starting their journey pay attention first their Bitcoin accumulation and later on their emergency funds set up will come late.
What's important is the lesson they learn that emergency funds is really important on their journey, so that next time they would never heavily got affected if there's worse situation happened since they are more prepared for second time around.
People could start over again and they should do better decision next time to succeed and make sure that there's no other things would bother on their next accumulation phase.
As a Bitcoin investor, because you are a newbie doesn't mean that you should not be open to learn all that it entails to be a successful Holder, because their is no sense in selling off your holdings when you are still in your accumulation stage, and it can only happen when your financial planning are very poor.
Regardless of wether you are a newbie or not, once you have the basic knowledge on how to buy, and what is required to hold successfully by having a source of income and an emergency funds and possibly a backup fund, their is no way you will sell your holdings when you are still in your accumulation stage, that's why is see it as lack of proper planning is the only way a Bitcoin investor will sell his holdings when he is still in it accumulation journey.