Maybe if I were be in my 20s, the risk would be higher to get a big ego and start throwing money left and right. You are right, we can't know until we are tempted. But we are usually tempted in bull markets, and so far I haven't seen any sign...
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if you count buying an apartment as a temptation, then I was tempted to do it a month ago... Somehow, I have calculated that it's better to keep crypto and wait a bit more... Maybe I was wrong... :)
In that way I was tempted too. And I chose the same way. But I see this more like industry hedging, at some point.