It is really hard to make out such decisions because price is volatile and if you dont have that risk taking factor then it would really be making hard decisions.
Regarding the possibility of BTC price to drop below $13k, IMO it is unlikely to happen. Most people predict that the bullrun to happen in 2024-2025, 2023 should be the time for BTC price to increase gradually. Although there are still some negative issues in 2023 (including the recession), I personally believe that BTC price to start increase constantly. In early 2023 BTC may struggle hard to pass $20k, but after several months it seems to increase constantly above $20k.
I agree that crypto market is always unpredictable. However, we can analyze it based on its history and the current market situation.