Should I rush to accumulate a whole coin?

I understand that I should not share how much I have for security, hence I'm using a throwaway.

I have 0.8 BTC at an average price of 114k, which is all my net worth.

I am considering taking a loan of 25k to buy the remaining 0.2 BTC I need to hit a whole coin, to secure it as I'm afraid it may go up.

The monthly payment for this loan will be supported by the salary from my corporate job.

I believe in BTC long term, I only started learning about BTC in the middle of this year and this 20% decline from ATH is the biggest decline I have experienced. I know it has gone lower historically. But I do not feel scared. I definitely will not paperhand as I do not need the money, it's meant for retirement. I just feel shitty that my average is high, but that's hindsight.

Any advice? Should I just be patient and DCA instead of taking the loan?