In the grand scheme, it's very difficult to miss out on anything.

Taking phrases like "when you're ready" as a condescending insult or ego challenge is a stronger guarantee of pain than simply doing nothing. Your own expectations and misguided impressions are most of the pain.

There are plenty of bitter and unhappy people who got that way by being delusional. Misjudging one's own experiences and accomplishments is what it really means to "miss out".