Custodied coin has one killer feature that's a key milestone on Bitcoin's path to world reserve status... Collateral.

Collateral kicks the speculative attack into high gear, its how normies can load up to the tune of billions or trillions without any impact to their fiat lifestyle, by simply leveraging margin.

As long as fiat gains outpace your living expenses, you literally never need to sell ... just borrow against the gains tax free.

If you think you'll need to sell any coin to live over the next 4-10 years, you should do it now and put it in the ETF in a margin enabled brokerage account. Doing this effectively ensures your gains from here on out are tax free since you'll never need to realize them and just borrow fiat as needed.