I think that you are very right on this one.

The only "wrong" position you could be in would be if steem collapsed and went away. If you buy now and it goes down futhere you will in the long run no matter the price be able to make that back :D

Even at 20c per coin i will only lose a few hundred over all but i think that it will recover and probably fairly soon after xmas.

Going forward I expect blogging to take a backseat on the blockchain and most of the steem given out will be through the apps. I can see that you use actifit which i think will be one of the templates going forward. I earn a small bit from that every day. A small bit from steemmonsters every day and those are only the first apps to hit the market. Wait until there is a thousand with their own token each that we can earn and turn back to STEEM.

I only write because I enjoy it rather than to earn. I'm fairly sure that it took my almost a year to earn anything for the posts that I was writing. But if you like it then a class could be a great idea. There are plenty groups on here for writers who would love to increase their community.