I largely agree with your post, except your assertion that it is a bit late is a bit of a misleading assertion, especially if a person happens to be a brand new investor then it is not too late. He has to start investing into bitcoin as soon as possible.
I fully support your statement. In terms of investing in bitcoin, it is never too late if we want to remember how BTC journey since 2013 with a price around $100 and now it has reached $100k in 12 years. I always assume it will never be too late for anyone to start saving for the long term in BTC. Because we will never know how the price of BTC will be in the next 10 years, it could even be 5x-10x from the current price. So whoever that is, I always emphasize myself not to miss the next party when bitcoin starts to be more than $ 200k. 
The most important thing is that it will become more and more scarce, the price will reflect that through the years to come.