It’s not about the frequency of events that happen in “typical cases” (guest bedroom used a week per year) but rather it’s paying for an insurance and peace of

It’s not about the frequency of events that happen in “typical cases” (guest bedroom used a week per year) but rather it’s paying for an insurance and peace of mind that if things get real serious (companies go out of business, pandemics, family situations) you’ll be covered. Take the example that there was a situation with your parents or grandparents that need care for several years, the guest bedroom scenario would beat the overoptimized condo scenario. You would just need to think about one outlier event to justify the purchase. One way to think about not overoptimizing life is that you want to be able to accommodate events you did not expect to happen (which will happen).