Bear market is unpredictable. Most of the time when things already happened then only we regret and say that we should or shouldn't have done this or that.
Those who completely shy away from stock market after being burned should be the real losers.
When the signs of recovery is clearer, then we can look for those small caps growth stocks again, especially those which take the opportunity from the economy downturn to fence off their competitors.
As there will be many uncertainties, the plan here should be flexible and not to be followed strictly.