> To me, if it doesn't have a direct and measurable impact on my quality of life then it's a completely irrelevant factor. If having more money available to yo

> To me, if it doesn't have a direct and measurable impact on my quality of life then it's a completely irrelevant factor. If having more money available to you through conversion doesn't have a direct and measurable impact on your quality of life, that's exclusively because of decisions you make about what to do with it. Assets don't follow you into the afterlife, so, bare minimum, when you get old you can sell it and rent or put a mortgage on it and have a much bigger pile of cash to spend until you die than the person with the less valuable house would. Or, if you have children and are into such things, you can engage in massive generational wealth transfer and make it so they never have to work a day in their lives to cover rent. There are a lot of people out there who don't get to experience such a wondrous bounty that they didn't do anything to earn but which is an extremely relevant benefit with extremely measurable impacts on quality of life nonetheless.