We hardly want you off the lawn. I personally didn't buy in from day 1 because after reading about software vulnerabilities and encryption cracking regularly I'm cynical enough to anticipate a major crash. I could've just bought in and attempted to sell high, but I also knew nothing about the exchanges. Why should I trust Mt.Gox to reliably transfer me the coins or cash when they were handling far lower volumes? I feel that as a currency, especially one via the internet, it offers so much anonymity that I don't trust to receive the product I'm actually paying for; and if I don't receive it, no means to do _anything_ about it.
You also likely have a life time of savings to work with, I'm still trying to buy my first shitty home where I'll have to fix everything myself if I ever want a return on it. Losing $1000 to a bad bitcoin investment means not paying for something else far more pressing right now.
I also think bitcoins are far over valued. In the past 30 days there was on $104 million worth of USD Volume on Mt.Gox with only a handful of places I could actually spend that money, unless I'm looking to buy a skid of coke, it's not useful to me. Hopefully more retailers start accepting it but this is something I'm not an early adopter on. Obviously I'm regretting it since I could've purchased at 1 BTC/USD and sold now for a hefty pay out. Heck I even regret sending back the free 0.05 BTC from the Bitcoin Fountain ... I just wanted to see how long the transaction would take round trip. If I was holding onto a collection of BTC, I'd be worried about some psychological response to seeing $100 USD and there being a massive sell off. That alone would make me want to sell because I believe others to be so rash and willing to panic. Obviously if you're playing the long game with BTC then none of this matters to you. But $90k USD would be quite helpful to me right now.