Now and always, still comes down to risk tolerance.  Educating articles like this should be looked at as no more than that.  Educational.  Risk assessment is and has always been personal.  Speaking of eating one's lunch, the 2008 market meltdown ate the lunch of many people for a long time--especially those who were driven by FEAR to sell at the wrong time.  As the saying goes, "If you can't take the heat...).  Criticizing others for having different risk tolerances is a waste of good ink.