This is surely talking about investing with what you can afford to lose, but the way you explain it makes it look somehow different. We have said it repeatedly that guys should figure out how to invest with the little they can afford to lose, as this will help to maintain a good investment strategy to avoid selling your Bitcoin too quickly. if it happens that you are investing aggressively without a good reserved fund you will fuck up down the road due to bad financial management.
It's not about big or small fund but about how big or small your invesment fund is in comparison with your whole finance. To afford losing your investment fund, basically it should not consume too big part of your whole finance.
I am not entirely sure what you about to explain here again and your explanations might get new investors confused. I think Samlucky O has explained easily why having a reserved fund is crucial and investing aggressively without having extra funds for other finances might affect your investment plan along the road. It's all about finding a balance that works for you so you can invest for a long period without stressing about other financial responsibilities.