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).
for one to model MicroStrategy's bitcoin accumulation approach, it will take a lot of variables to be put in place and for a single investor that is depending on a low budget income that is not as robust as the available budget MSTR had both at the time he started buying and the plans he later implemented in the process of buying. the simply approach he used that also works well with newbie investor is buying through the DCA method and having a target in mid that he hopes to get to. apart from that general and a bit basic approach, every investor should be more concerned about an investment model that works in alignment with his available cash and with time it becomes easy to try out some models that are used by a more matured investors which can be a way pushing oneself the extra mile just to get to a set out goal as fast as possible.