Apart from that retiring at 45 (more like 60, no problem with that), all those can be had while having tons of free time for other hobbies, adventures, or more

Apart from that retiring at 45 (more like 60, no problem with that), all those can be had while having tons of free time for other hobbies, adventures, or more importantly family and friends. If you have kids, those years not spent with them will never come back. Nobody dying is proud how hard they worked and how much they increased their market value.