Bitcoin at $98k is still early, get the fraction you can afford now and keep stacking at every did and HODL. I met Bitcoin at $600 or so and I've never regretted not hodling it for long as I should because I still have another chance to do it today. In the next 10 years people would regret not buying below $100k when they had the chance..
If you don't invest and DCA it now below $100k, you would still write another regret topic after bull run..
It is funny to see all this regret story although it is normal to hear or see regret stories especially when it comes to people who were skeptical about anything relating to Cryptocurrency ( Bitcoin) in general earlier but seeing the same people writing journal in the form of regret without still doing the needful is what I perceive as unseriousness and with the look of things even though Bitcoin dips to $10k today which may not be realistic, this same people may not also deem it necessary to invest in Bitcoin, with what we have seen so far and the journey of Bitcoin till this moment, there has always been an encouraging price in the long run, so it means that some people were actually out for immediate profit that was even the major reason why they couldn't take the bold step to keep acumulating Bitcoin the little they can till this day.
I don't know why people are too interested in the price of Bitcoin before they can invest in it, it means that most of this people don't know the concept of Bitcoin which comprises volatility, fluntuation and long-term, if investors can take cognizance to the aforementioned then such investors wouldn't be having a problem with investing at all time.
Just as you said, the time to make the bold step is now unless one wants to remain a spectator to continue wallowing in regret as a result of not doing what is required of him or her.