I'm also targeting a peak for Q4 2021, but there will be a ton of 30%-40% dips along the way. I expect we'll get one of those dips in Feb so I want to capitalize on that.
What if the real bull run begins in mid 2021 and I'm already almost entirely on fiat?
That's exactly why the DAI/ETH pair is interesting because half of your stake is automatically not a stable coin. If ETH goes up you'll still make gains.