Those who saved their money in Bitcoin from $1 to $8 and then stopped because they didn't want to be 'overweight in Bitcoin' surely regretted it. The smart ones bought Bitcoin all the way up to $30 and then all the way down to $2, and then back up.
I could own more XMR than I do. But I think that if I own too much, then it is bad for the economy and the culture. Most people don't want to get very wealthy. Most who do want to get very wealthy probably shouldn't. Personally, I am trying to maximize wealth because I have a purpose for it, which I consider very important, superceding my personal interests. But even for that purpose, there is an optimal proportion of the XMR distribution which I seek to own. If I own more, I prefer to sell. I currently own too much of the current distribution, but not enough of the long-term distribution, so I feel free to accumulate, in a small way, until I own an optimal proportion of the 18mm XMR distributed before maintenance rewards kick in. As the economy grows, that notional optimum will decrease over time: When there are goods and services being transacted in XMR routinely, the velocity of the float needs to be reasonable in order for the economy to grow. If the velocity appears to be a limiting factor, I will definitely distribute, regardless of the price.
Focusing exclusively on maximizing personal wealth is not a good plan, in my opinion. If you are just going to waste it on hedonic excess, I think you will soon find yourself on a meaningless hedonic treadmill. The end thereof is death. Personally, I seek to maximize meaningfulness. That is a diverse, complex and moving target, but philanthropy certainly helps, as do healthy interpersonal relationships, and a project agenda.
This begs the obvious question of how much XMR one should hold? I am adding a few btc a week at the moment.
While there are fewer holders, a greater chunk is harmless in benevolent hands. If you hold 18K, (currently ~11k XMR) there can't be 1000 others like you. That is a lot for one entity to control, and yet at times that has been as little as 18 BTC, or $5K. Accessible to most anyone in the western world with a job or a credit card. Even now 30k USD for 1/1000 of the pie is kind of ridiculously cheap. IMO to hold that or more should be part of a plan to redistribute as user base increases. Since there are most certainly entities with 10X that amount and more, we just have to hope that greed is enough to get them to redistribute as time goes on, and in a responsible manner.
Extreme wealth sounds like more headaches than it is worth, unless you have a plan for it like aminorex. I will be content to just nibble around the edges of extreme wealth, from time to time :p Low profile works for me. If I can provide security for my family, perhaps contribute in some way to my community, I will be well pleased. Not everyone wants to rule the world with a target on their back. I'm happy to leave that to the young and ambitious.