Here is what I say to people who are happy with 0.1 BTC:

• 0.1 is more bitcoin than most people (99.99%) will ever have
• If bitcoin goes to $1MM (maybe in 8 years?) you'll have an asset worth $100k.
• If bitcoin goes to $10MM (maybe in 12-16 years?) you'll have an asset worth $1MM.

Factor in inflation - $100k in 10 years is not the same as $100k now.

If you are happy with those numbers, then be happy with those numbers.

Take action accordingly.