Yes

I did well in the bull market, but didn't get out in time during the bear.

If you can get a low risk fiat loan over a long period of time it might be ok. I couldn't & ended up using 1 year loans on hodlhodl & ledn with high interest rates.

So be extra careful. I'm happy just DCAing into BTC. Don't have to worry or think too much. Just put your savings in until you have enough purchasing power to retire or semi retire.