There's nothing more to it. Every investor must be careful when distributing their discretionary funds either to Bitcoin accumulation or building up back up funds. As you said, it's in the investors sole decision and also only such investor will face the consequences of mistakes were made in during investment period.

Even if it's called discretionary(the cash remaining after settling all basic expenses),we must do proper calculation before deciding either to use all your discretionary for accumulation, or using some portion for investment and some for building up other back up funds, because every decision still lands on the investor either positively or in the negative.  If we invest weigh too much all in the name of discretionary funds, we might fail to build up back up funds which in turn haunts us at some giving time of our investment. So there should be a perfect way of balancing everything to ensure lack of panic even in dips because you because you have built up back up funds that can sustain you plus you want to Hodl for long and also with a target of the amount of Bitcoin you would want to accumulate before thinking of selling any portion.

An investor who fails to understand the concept of discretionary funds plus proper allocation of funds for accumulating Bitcoin using DCA strategy might make or take hasty decisions which might lead to panic sells in the future either during Dips or even in a normal market condition without reaching there initial target.