Thus far I've never "cashed in" any BTC. I started with 1 back in 2011 when I was evaluating the technology and have sliced off pieces to pay for a few things - mainly for novelty value. I've not got enough to retire, but considering I thought I had about £500 a year ago. I am quite a happy camper for now.
Obviously the key question is sell or hold ? With the understanding very few people are capable of employing that a hold and subsequent decline in value is not a "loss". It's just an unrealised gain.
Last time I spent any was 2016 - when I can be arsed I will load up the chain and see what the fees were.
On the basis the same people who laughed at $100k had the same laugh for $250k, who knows where we are going ?
They must be drowning in tears in Tory HQ. Imagine not being in power while all this is going on ?