I'd say it heavily depends where you are. When I was in CA, it was ~$300/mo for Caltrain+gas, ~3 hours of my time per day, plus neither lunch nor coffee was fre

I'd say it heavily depends where you are. When I was in CA, it was ~$300/mo for Caltrain+gas, ~3 hours of my time per day, plus neither lunch nor coffee was free, so ~$60/wk for that. The pandemic would have been a net benefit to the wallet there, I think. As it was, I moved before the pandemic, because I got tired of fighting that very commute, tired of fighting to get CA to see the light on housing. So my commute was ~2 hours and ~$80/mo and lunch and coffee was paid prior to the pandemic, and I'm definitely in your bucket, since the loss of lunch significantly outweighs not paying for the commute. (And my commute was optionally biking, and I miss getting that in as much, too.)