I wish I had enough to my name to be faced with the choice. Plain old dollars will continue to do for me, for now.
The Great Bitcoin Crash will certainly make a splash, if this thing inflates in nominal value. Because then it would indeed be a Ponzi and latecomers will take a bath.
Just buy some silver dollars. They are going for about $25 each with shipping and commission and will always be worth the price of an ounce of Silver.
Just commit to buying 4 coins a month. Who knows, they may be worth something some day and unlike bitcoin, they will always be worth the price of an ounce of silver.