The best time to accumulate Bitcoin is not when the price is low, although it is the traders that think in this direction because they want to buy low and sell on an increase while an investor will focus on the long term benefits and not the short term and this will result them in to consideration every time or condition of the market as an opportunity to increase the quantity of their Bitcoin as they buy all the time be it when the price is high or low and this is the best approach because, Bitcoin is for long term investment and not good for short term ( trading) buy when in high or low with dollar cost averaging.
There is actually nothing wrong with buying bitcoin when the price is low, buying the DIP is one major way to invest in bitcoin, where the problem comes up is when investors start waiting for the price of bitcoin to dip instead of continually accumulating, the become stagnated and can push their investment forward because they are waiting, but if during your accumulation a DIP happen then there is absolutely nothing wrong with it if you decide to buy the DIP as long as your finance can allow it, so buying when the price is low isn't just a trader's strategy, it's also an investor's strategy if they use it properly.
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I think that you are getting the ideas pretty well, and surely when you are applying them to your own situation, as your bitcoin grows, then they will start to make more sense in terms of how to manage your holdings, since you will likely pass through phases of more aggressive bitcoin accumulation and then maybe less intense accumulation and then maybe only strategic accumulation, and so if you are paying attention to your stack size, then yeah, you might come across regrets in regards to how whimpily you had invested in your earlier years, when you could have had afforded to invest more aggressively, yet surely these are judgement calls that each guy has to make in terms of how aggressive he believe that he is able to be without overdoing it. So, sometimes we punish ourselves afterwards for not being aggressive enough, yet it is not really a big mistake, since it is better to have had continued to invest through the years rather than not, so the no coiners will be in a worse situation, and really there will be a lot of folks in a worse situation who had not been accumulating bitcoin.
Stacking rarely plays out in a straight line. In the early years most people either hold back too much or go harder than their situations actually allows them to, and only with time do they find that middle ground inbetween, the regrets about being timid early on are just part of the investment journey what matters is that the stacking never stopped regardless of how the situations play out, because even a slow pace accumulation compounds across cycles and that’s where the big divide shows up between people who kept stacking versus people who didn’t start at all.
Surely part of the reason that i frequently repeat that guys should try to stack bitcoin as aggressively as they can without over doing it is because guys still have to determine those boundaries, and if they fuck it up by either over doing it or underdoing it, then they can ONLY blame themselves, even though they cannot turn back the clock, but just attempt to accumulate BTC the best that they are able to accomplish under their own circumstances and within their discretionary income, and surely some guys may well be quite limited in terms of how much discretionary income that that they are able to generate to be able to invest more than 10% of their income into bitcoin... .. so they do the best that they can and realize that it takes time to build up a bitcoin investment, and even though some guys might be able to accomplish their building up in 4-6 years, there are plenty of guys who will take more than 2 cycles, and perhaps even 3-4 cycles before they really get to a point where they might start to feel that they are getting to a point where they can actually see where their overaccumulation amount would be.
Finding the line between pushing hard and staying sustainable is where people usually make themselves or eventually break themselves, buying aggressively but for short term is already a bad decisions, play it too safe and you look back wishing you had aimed higher, Everyone’s income and risk tolerance are different, so the percentages don’t matter as much as being able to keep going year after year because It’s a long game, most people won’t feel anywhere near ‘overaccumulation’ until they’ve lived through two, three or even four cycles. By then, the difference between someone who stuck with their plan and someone who couldn’t hold discipline becomes massive.