I recognized your concern and your interest in posting this to the community. I tend to agree with your points here being a bit cautious myself. What does concern me a bit, esp. in light of the projections I've read about the mining delay times on these rapidly growing blockchains, and the need for soft/hard forks to overcome these mathematically inevitable obstacles - are these guys sitting on inside information that the cryptos will eventually "blow up"?
These big banks have been known to pump & dump, bet on both sides of the trade, and even start wars right up to the moment they bail out and pull the plug on the whole house of cards.
Now don't get me wrong - I'm NOT crypto-savy enough to validate these possibilities. I'd love to hear from a crypto-tech who can prove this scenario impossible. Yet with control over the Internet resting firmly in their hands, and our fledgling financial system challenging Goliath on his own turf... I'd like to know if I need to find some other stones for my slingshot!
You are clearly a savvy person, I am not the best person to ask this question as I am in the same boat as you....but I do believe this is what the metal guys are trumpeting.
Get physical