2-3 months is not enough to float safely. You'll want a 6 month cache before you even think about taking time off, and even then only the time over that 6 month

2-3 months is not enough to float safely. You'll want a 6 month cache before you even think about taking time off, and even then only the time over that 6 months should you take off. That 6 mo cache is for emergencies.