Often, especially in large businesses, which of these categories you fall into (investment, insurance, luxury/impulse buy) is more a function of which of these

Often, especially in large businesses, which of these categories you fall into (investment, insurance, luxury/impulse buy) is more a function of which of these buckets your business unit is in than you as an individual. I've always tried to avoid working for cost centers, where the business's goal is to reduce cost as much as possible while continuing to provide the necessary utility (like on-premise IT). Cost centers are most prone to offshoring and automation; and this is where the "AI threat" is most likely to materialize. But if your business unit is viewed as an investment center (like an R&D center), you're part of a strategic asset and you're also (by proxy) viewed as an investment. Luxury and impulse buys also happen here a lot more often.