I still have so many coins that for me paying much over 400 is not worth it.
Don't be so easily discouraged. You may be rich now, but if you are patient and diligent, you can become obscenely rich. Do not despise small gains. A penny here, a penny there. It adds up over time. Suppose that in future an opportunity for dramatic gains arose which required 10001 coins, but you only had 10000 coins liquid. Such a tragedy, for want of King Richard's nail!
I am envisioning that all the bold and brave bitcoin owners will be such connected that if you have a good enough project, you can tap into unlimited wealth through your friends and their friends. So that it is only the quality of your proposal that determines whether you can pursue it, not your personal finances.
Of course it is still better to have 10000 coins than just 10, because you can do things without asking anyone. At least in theory.. I have spent 2 months for a certain project now which does not involve spending anyone else's money, and still it's not finalized
Even though I could make more money by trading bitcoins etc., for my personal goals the time for that is over. I am moving on to the scenario where I will be obscenely rich even with the current number of bitcoins, and selling enough bitcoins to hedge for the scenario that it does not happen.
