Sounds like you are basing all that on the assumption that STEEM will in the future become more valuable than it is today. IMO that's becoming a bigger and bigger (and sillier) assumption to make. Not everything that goes down must come back up again. Currencies can die, even crypto currencies. I tried to catch this falling knife 2 years ago with $5000 (0.2 BTC). Dollar cost averaging only makes sense when a recovery is coming.