Anyone who’s doing cost averaging on BNB will be scared coz it’s normal to see a 10-20% drop; we just have to be aware that these things are to be expected. Exception for BnB. If it dropped without a real fundamental mishap happening, just use volatility as an entry. Just factor volatility that it can always go lower.
Erm... as compared to someone claiming immediately, on DAY ONE, there is a downside if you WAIT before claiming. The system is made to favour claiming as soon as possible. And staking as long as possible, up to a certain duration (10 years?).