Wise to want to wait it out. Not wise to be so concentrated in two narrow and volatile sectors. I would suggest that you immediately diversify into total market funds. You will sell when your investments are down, possibly getting some tax loss harvesting, then buy investments that are also down. So it will be close to a wash.
Are these "wants" or "needs?" You be the judge on the roof, but I'll bet that your dentist is the driving force in your getting those implants.
First, get a second and third opinion on the implants while also gathering prices. Most dentists are basically commissioned salespeople who really believe in their products. It's hard to measure your "need" against the dentist's "want." Economists call this an "agency problem."
Second, see if you have access to a university dental school clinic/within feasible driving range. I get all my dental work at such a clinic, primarily because I know they will never be motivated to sell me something I don't need and secondarily because there is excellent quality control -- which does not exist in most dental offices. A third benefit is very low prices, as low as 1/3 what the local independent dentists charge. Things where they have to use commercial labs like crowns and implants will be more than 1/3 but still much cheaper.
DW recently switched to the dental school when her dentist was pressing her to buy a crown. First visit, the professor and the student examined her and huddled, determining fairly quickly that no crown was necessary.
Hard to believe that Visa offers the best terms. Have you tried your bank, local credit unions, etc.? Shop. Shop. Shop.
