Yes, now is a very good time to invest in polkadots. Polkadot has a bright future and will become a high-value altcoin. Apart from that, Polkadot has a strong team and experienced developers like Gavin Wood. Thus Polkadot will be a solution for some traders. And not only that, polkadot always provides new innovations to all users.
Developers reputations plays well inside this market, look how Vitalik and CZ did, they both have strong knowledge with
what they are doing and now their projects are succesful.
You should investigate and research before taking your step, everything would be in palce if you fully undertand how the
project works and how will you compensate with your investment.
Of course what you say about all of that is very true and can lead readers to be more careful in investing, therefore what I have said above is my belief in polkadot and developer Gavin Wood, he is also a great man and is a one of the founders of ethereum and now he is also the creator of polka-dots. that's what convinced me of the future of polka-dots because of the reputation of a Gavin Wood.