tabby may I ask your trading experience level?
You use terms like averaging down, averaging up, these are all trader terminology and price driven, not fundamental analysis.
I am afraid that you are not sure if you are an investor or trader.
Does it matter to you the term "underwater", because that is what most traders are concerned about.
Any true investor would never walk away from a "Sale" and say I would rather pay more for a shirt, because then I would be sure it is a good one.
Good luck to you.
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