Bitcoin is still generally new, just over 10 years old, it's still considered to be in early phase and the luckiest ones ones are those who took advantage since the early days. Just to imagine, I had bought Bitcoin when it costed $200, I wish I still had those, but they are long gone. I can't safely claim that $100,000 is considered a price that's feasible for the average person, nor can I confidently claim that Bitcoin is going to surpass $1M. I find this speculation extremely overexaggerated for the time being. I've seen many people comment about it, but I personally can't believe it just yet.
When people come with discussions about how they are late in discovering or investing in Bitcoin, I just think it's unnecessary. Just as you mentioned, Bitcoin is still in its early stages, and it also has the potential to keep growing as adoption increases. Most people wouldn't have believed that Bitcoin would get to $100k this year. You would have been tagged a fanatic if you predicted $100k a few years ago. That's why I am not doubting that in my lifetime, the coin will hit $1m. The focus now should be how to keep accumulating and hodling because the future looks bright.