Bitcoin is in, it is celebrated, it is rehabilitated... The Times, the President and so on. Everybody says that it is not scam, everybody assures that it is a good thing.
All this means that the risk level on Bitcoin as well as altcoins is lower than ever before. And the prices of altcoins are moderate, in fact they have not increased remarkably relative to previous years.... Does it mean that it is right time to buy or that this right time is near ? (I do not suggest to buy BTC with 100 000 USD !)
The only important thing is the risk/reward ratio.
Just do DCA and be a long term holder and you will be good. I'm not really sure about the risk/ratio reward. I mean you might have seen that in every 4 year cycle, the price will go on a huge run and it will have a new all time high. It never fail us so far and that pattern continue to exists.
And we have seen the price did go down hard from a new all time high of $109,000 to $84,000, so that is a huge 15% discount for you and for others to buy at this current price. I know that you talk about altcoins as you don't want to buy expensive Bitcoin, but still though as I presented to you, Bitcoin is a better choice, it might be expensive, but if you look at it's past historical logs, it is only the best option for you specially if you are going to look at the bigger picture.