The effect is cumulative, you’ll do better if you quit than if you don’t, but some damage has been done. It’s a “the best time to plant a tree was 30 years ago, the second best time is today” situation.

Plus TiB are based on powers of two instead of ten which makes more sense for computers. It’s not really a practical difference (2 vs 10, not the size difference which is significant) a lot of the time but I personally find powers of two more pleasing.