Nor to late to swap out that BTC, for that matter.

For my part, I got my ratios how I wanted them back in the $2-$3/BTC range and have had zero inclination to change it one way or another.

I'm drawing ever closer to having that the wad of USD fall from the sky, and still hoping for a buying opportunity in PMs since that is where I'll store the value.  I'd probably do some BTC as well, but it's such a risky hassle to transfer between USD and BTC these days, and one has to hand over so much private info to flaky exchange services that it's just not worth it.  I expect that going forward I'll do mainly large face-to-face transactions if/when I can set them up (and, of course, have a desire to do so.)