It is an extremely big issue for a lot of us. You were smart to build that big of of a buffer and have a couple of years you could live off of. That would be ideal but some of us are faced with staying in this space and getting a strong hold and not checking out while others get into better positions to live a life of absolute freedom.
It is a tough thing because suddenly with these swings we can see $50,000 just blow away in the wind and then suddenly one week we feel good and then the next week we are feeling like they payout situation and what everything is worth is so far in the dumps that we are even going to get pressed out.
I agree in general with everything you have said and it seems like you have really set yourself up good. My situation is more of one where I almost have my primary residence paid off so there is light at the end of the tunnel so it is a race of paying it off and not having the crypto become worthless or have to sell out of too much of it.