I'm 50/50 on SF4. SF3 was an amazing experience, but (like you) really just want to go to spend time with the people, not hear what I already know at the expense of thousands of USD and two super long flights. The pool of people I'd want to interact with has shrunk from the one from last year after seeing how they've behaved/treated others on Steem's social media apps, but there's always potential to meet new people and respark my enthusiasm again.
RE: Why Would Crypto Adopters Not Hold A Healthy Amount Of Bitcoin...Or Any At All?