Question about larger investments

I’m still new to BTC but I’ve been wondering something.

Say you had a larger amount of money you wanted to put into BTC, beyond the random $100 here or £250 there or whatever, how would you go about it?

From scouring the posts, I’ve seen a lot of people warning against having big single transactions - either way for that matter - due to risks of accounts getting frozen on exchanges, delays, etc.

So if you had a bonus or insurance or something that you wanted to lump into BTC, what’s the best method?

I’ve seen someone mention OTC for selling lots of BTC, so would OTC be the same way to go, and if so do they only work with super investors, from like 100k upwards?

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