What I do know is that every STEEM will be harder and harder to obtain for everyone in the future.

That's the logic brother, you are right with this assertion, the more people coming on board the more it would be hard getting more payout, since those investing in the system is smaller compared to the people trying to earn it all. I believe , just like you have said, it will be more difficult getting more steem in the nearest future so the desire to hold on to the steem you have at present should not be over emphasize. Long live steemit, long live #scaredsoul.