All good questions and yes , of course the answers depend on the individual assessing the risks. Some people are not very good at assessing risks so they rely on opinion of others.
As per possibility of anything going up 5 times; that's speculation versus calculated risk assessment.
If you fall in love with a token to the point you marry it for life, that is another level of high risk. Sometimes it is best to sell and buy back later.
Thanks again for the grey matter exercise. !ALIVE