I think that many long term investors would do well to continue to buy bitcoin for at least one or two cycles, yet of course the extent of their buying may well have to do with their budget and if they had been able to front load their investment. Many times normies are not able to front load their investment, so they tend to be better off to keep on accumulating, rather than merely holding... Even though holding is good in the context of meaning not to sell.. ..
When an investor resort to only holding possibly because you've reached your accumulation target or thereabout, without exhausting your holding period, I don't think it's quite advisable to stop accumulating. Continuous buying revitalizes the energy to only add to your portfolio and reduces the possibility of entertaining the thought of selling your Bitcoin.
Furthermore over accumulation is a good thing and ensure you have a larger portfolio than you planned out initially. Surely, if you're still able, you can reset your accumulation target and get back into your accumulation phase to get a relatively higher stash of Bitcoin. It's noteworthy that the bigger your portfolio, the more profits you tend to enjoy on the long run.
Why have accumulation target when you can continue to stash your bag more, so far you're capable and have the funds to continue I don't see why anybody has to set a stop target. It's understandable if an investor that has the correct knowledge that Bitcoin is a store of value decides to hold for something for understandable reasons like lose of a major source of income. When they get back on track then they can continue to accumulate, afterall it's there money, why leave it in the bank to depreciation or buy into some shit projects.
If you believe in the potentials of Bitcoin then there shouldn't be anything stoping you from continuous accumulation. You'd thank Bitcoin in your retirement when you're old and weak, most importantly when you're no longer active to pursue money making. So there's nothing like overacumulation as far as I'm concerned, if you cannot finish your stash in your retirement, let your loved ones inherit it or you can donate to a just cause that makes you happy. Accumulate as much as you can and plan a percentage from your income that works for you, stop only when it's absolutely necessary then start again when you're back on track.