I must say indirectly bitcoin really help me for my financials side but regarding your questions i had confused because honestly i'm still afraid to hold my bitcoin for long term particularly for my life time investment because nobody can guarantee bitcoin still worth for next 20 or 30 years
Sure Bitcoin still is and will probably be a high risk investment for the next coming years.
So only invest what you can afford to lose otherwise you could end with nothing in the end.
The beauty is you yourself can follow and watch the development of Bitcoin on a daily basis.
Therefore you have at any time the possibility to get out.