Looking at how encouraging it is to be consistent in buying Bitcoin means that the value of our asset will only be equivalent to the size we have bought and the duration we held in other words holding for long does not guarantee being in big profits but the size of your holding and how long enough the person have been able to hold which I see determines how big or small your rewards will be over the long term.
If what you are referring to as cold money can also be be called discretionary income then yes that is where our investment money should come from.
It's about time, the PNL in the percents would remain the same.
You buy, you hodl, and you forget about the rest. Preferably the amount of funds you are willing to put to work and not touch during that time.