If people are saying it’s too late to buy crypto, a 3x in price from here would still place crypto’s worth less than 10% of the US stock market.

"It's too late to buy" is one of the bullshit longest lived FUDs for crypto investing. According to Siblis Research the total market value was worth 50T in the end of 2020. Market cap of crypto now is 1.6T. Tripling this would yield 4.8T which is still less than 10% of the stock market. Btw, the stock market is a US only thing, and crypto is worldwide.