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.

This guy. https://en.wikipedia.org/wiki/David_Hahn

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.