Is "x amount" of BTC actually worth it? To answer this, think about the future block rewards.

Even I have asked myself from time to time - "I only have X BTC, is it worth it?". We all especially can get caught up in this nonsense by thinking about not owning a "full" coin. But too often than not, we forget there will come a time where the reward for successfully mining a new block will also be less than a full coin.

Think about it. The current reward for mining a block is 6.25 BTC, soon to be 3.125 BTC. This number will again decrease to 1.5625 BTC in 2028, then again to 0.78125 BTC in 2032, so on and so forth this pattern continues. This simple fact cannot be overstated - the reward for mining a block in BTC will soon be less than a whole coin. There will come a time in our future when the thought of owning 0.1 BTC or even 0.01 BTC will be unheard of, let alone someone owning a whole coin.

I see the question like "I only have 0.2 BTC, is it worth it?". No one can answer this question for you, but think about what I just stated above. The current timeline says that at some point in 2042 the reward for mining a block will be something like 0.1953125 BTC. So if you are holding 0.2 BTC today and you decided to stop stacking here and now, in 20 years that 0.2 BTC will be more than the reward for mining a block. But I imagine many of us are not going to stop stacking. Which means we will keep accumulating, and the point at which our stack is greater than the current block reward will come even sooner.

People who will buy their first satoshi in 20 years (assuming it's the first time they have heard of BTC) will not be able to comprehend those of us who were able to stack even 0.01 BTC. So I imagine there will be future questions on this sub like "Is 0.001 even worth it in 2040?". In my opinion, the answer will always be yes. It's a cycle.

To say we are early is an understatement.

Edit: assuming a 4 year interval of decreasing block rewards, the target year I was talking about should be 2044, not 2042. Math is hard, sue me.