I think the crux of OP's opinion is, "it depends". If you can easily save a couple hundred dollars a day and are bootstrapped, do it. Otherwise, it may not be w

I think the crux of OP's opinion is, "it depends". If you can easily save a couple hundred dollars a day and are bootstrapped, do it. Otherwise, it may not be worth it in the grand scheme of things. Thus, no one size fits all, but one size can fit most.