It's not enough to just invest in Bitcoin, but you have to effectively hold your investment for the long term, and it's important to take all the necessary measures for this.
10 years ago, if you invested any amount in less than 2 years you should be having a good profit from Bitcoin. The rise of Bitcoin grew faster after the first pump not until it hard the first bearish period which gave new investors chances to trust the process to invest. But times have changed a lot. If you want to be profitable in Bitcoin comfortable, then you shouldn't be investing for now rather you should be investing for the future. Once you have this mentality I doubt any circumstance will push you to tamper your Bitcoin as long as you follow every process accordingly.
Adding to what you said, every step of the way is very important when investing for the future. You cant skip not having an emergency fund and savings. Also, there must be a preferred strategy that should be implemented consistently. Failure to follow due process can only lead to the investor tampering his/her Bitcoin and the consequences is reducing the fractions they have been able to accumulate even if they feel they withraw on profit.