Is this a dumb way to DCA?

Instead of fixed weekly buys, you place a small limit order 5% below your last purchase price. If it fills, the next order is again set at -5% from that new price. If it doesn’t fill, you roll the amount forward — and if it’s still unfilled by the end of the month, you buy the accumulated amount anyway on the last day.

After a fill, you may also set an additional buy 10% lower to catch a deeper dip. This is treated as a separate “lump” purchase with its own capped budget. If that fills, the following DCA resets to -5% from this new price.

The goal is simple: buy more on red, less on green, avoid chasing pumps — while staying consistent, especially in bearish markets.

Is this actually smarter than basic DCA, or just overthinking it?