Yes, they are your decisions and those are your risks. No amount of learning and reading is enough until you dip your toes and put your skin in the game. Although my hive pocket is not as big as i expected it to be in a year, I have certainly benefited from diversifying and knowing. That's huge. Who knows what will happen to my @dcity cards in a year :P
It took me almost two years to have a 10th of what I have today on Hive, but all of the little actions and activities started to add up and compound against each other to speed the process. I don't know much about DCity, but if it is mildly successful, it might be enough :)