That's fair. I'm viewing it from the perspective of how to protect one's self from sudden & possibly long-term job loss, where I think there's a lot of value in

That's fair. I'm viewing it from the perspective of how to protect one's self from sudden & possibly long-term job loss, where I think there's a lot of value in having one less thing hanging over your head during a stressful time. But building an even bigger buffer to further weather that period is a fine strategy, too.