Is there a point where accumulating more sats isn't necessary?

Hypothetically, is there really ever a point you see where buying more sats might not really be all that necessary?

For instance, let's say you had someone who was accumulating in 2018-2020 who was able to get 3 BTC at an average price of $10,000 each. He watched his investment take off in 2021 and then rode it all the way back down in 2022 to not much higher than what his original dollar cost average was. Maybe in 2022-2023 he had a lot of liabilities or some other life events that came in which limited his available cash to invest, so he doesn't touch it all. He then watches this take off to 200k+ in early 2024 and even 300k+ by the end of the year.

Another example, a guy has been aggressively accumulating starting in 2022 with the goal of hitting 1 BTC. He isn't a high earner, so he picked up a side hustle and grinded hard before finally hitting his goal in late 2023. He could continue to accumulate more, but he'd have to continue to work his ass off for a relatively small increase in his stack, so he doesn't see it as worth it.

Then you have someone who recently started accumulating in 2024 who has maybe 0.1 BTC who views this as a long term asset where he treats it like a savings account. Maybe he invests $100/week but this is an amount that is comfortable/easy for him to where he doesn't have to feel like he is grinding or needing to sacrifice in other areas of his life.