It can be stressful to say the least to hold a de-fi based low visibility token for a 5% odd ROI
where as the top cryptos like BTC & ETH may give you a much better value just by HODLing@tomoyan since one has limited finances so it becomes a difficult choice to use BTC or ETH to get get into a De-Fi project.
Yes, it can be a very difficult decision. BTC, ETH are more long term, DeFi are more short term I think... but I could be wrong
No you are right making a correct decision can be tough in terms of spotting the right opportunity