Critique My Plan to Invest a Windfall All at Once

You have decided to invest the entire windfall in one go and the statistics back that up more often than not, but statistics do not account for how you will feel if the market drops the week after. This critiques the plan honestly, including the emotional risk, and offers a phased middle ground if going all in feels too exposed.

<context>
You plan to invest {WINDFALL_AMOUNT} as a single lump sum into the market immediately upon receiving it.
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<task>
**Critique** the plan:
1. Compare lump sum investing against a phased approach (pound-cost averaging) using general reasoning about market timing risk
2. Note what the evidence generally suggests about which approach wins more often, and why that still might not suit your personal risk tolerance
3. Flag the emotional risk of investing everything right before a downturn
4. Suggest a middle-ground approach if full lump sum feels too risky
</task>

<output_format>
- Balanced critique, not just "lump sum is statistically better"
- A middle-ground alternative with a rough schedule
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