I am not sure if Saylor/MSTR is a great model for how individuals should accumulate bitcoin, since he is in a particularly unique kind of a situation, including that even when he started buying into bitcoin, he pretty much went all in with MSTR's extra cash, and then he went into studying various ways to financialize the getting of more fiat in order to buy bitcoin with it, and then he has just ongoingly UPped his game in regards to the various creative kinds of financial instruments that he has been able to identify, create and to get subscribers that are partially based on his/MSTR's own reputation in regards to following through with regular, ongoing, persistent and consistent buying of BTC.
I'm sure he's not a good model for individuals. Well, maybe the part about doing DCA (Dollar Cost Averaging) is, but in general, an individual should buy Bitcoin without getting into debt. The average person is likely to run into more problems than benefits if they go into debt to invest. Plus, if they want exposure to debt to buy Bitcoin, they can just buy MSTR directly (which, to be sensible, should only be a mere complement to the Bitcoin acquired and held in self-custody).