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The evolving nature of Bitcoin means that people are continually learning about the impact of Bitcoin crosses so many disciplines. We're still learning various aspects of Bitcoin and I totally agree that lots of the world is in the early stages of understanding it, because Bitcoin is still relatively a new technology and so is the adoption.
The dynamics and nature of Bitcoin are evolving overtime, and this means that strategies and approaches to investing in Bitcoin needs to also adapt overtime. Even if aspects of bitcoin evolve over time, that does not necessarily mean that we need to change our approach to bitcoin, even if we are studying bitcoin and trying to consider the extent to which bitcoin's investment thesis might change with the passage of time.
If we are in our BTC accumulation phase, we might decide if we want to invest more aggressively or more whimpily, yet that has to do more with our own finances and psychology rather than bitcoin, since bitcoin as compared with other investments is only one of the factors to consider.
Changes in bitcoin might affect how we hold it or protect it or transact with it, but it might not affect if we are in accumulation phase, maintenance phase or perhaps in sustainable withdrawal phase.
Over the past 11.5 years that I have been in bitcoin, I have made most of my changes based on my own circumstances, and sure aspects of bitcoin might have affected me on the margins (and in small sort of ways), but nothing really major since bitcoin's investment thesis has just gotten stronger through the years, even if some aspects of bitcoin has changed along the way too.
I agree with you that when an investor is merely in the Bitcoin accumulation phase, decisions about their aggressiveness or how conservatively they choose to be with their accumulation depends more on their own personal/unique financial situation and psychology than with the Bitcoin itself and I think that was actually when I wanted to say earlier. In an investor's investment landscape, there are literally several factors to put into adequate consideration and Bitcoin is only but one of those factors.
And yeah, there are certain factors that Changes in Bitcoin might be able to have direct impact or effect on, like the security aspect, transactions or even storage, but just like you rightly stated, it might have little to no effect on the investor's current phase, whether it's the accumulation phase, or the maintenance phase, or even the sustainable withdrawal phase. In your 11.5 years in Bitcoin, all the adjustments you've made must've indeed been based on your own circumstances. Yeah, aspects of Bitcoin may have had marginal effects, but over the years, the overall investment thesis of Bitcoin has indeed gotten even more stronger and that, is quite a solid take.