Buy enough to be a whole coiner?

I have 35k And can either buy btc and then I’ll have a whole coin or keep earning 8-9% APY on those stablecoins?

Please don’t tell me to diversify and only invest what I can afford to lose, Bc that’s obvious.

What I am asking is, because it’s a huge chunk of money, is it worth waiting for a dip? I don’t feel like a huge dip is likely due to institutional interest/adoption and the upcoming taproot upgrades.

Thoughts? Thanks!