I have been going through a similar mental state right now and thinking in almost in same terms. Actually what this pandemic has done to my financial state has left me with nothing much so I am cutting short on my expenses, therefore more worried about one v/s ten. I have opted for 1/10 and reduced my expenses to bare minimum.
The pandemic indeed changed a lot for many. I would say that we are lucky to have this option to look deeply within us and release what serves us no more. Tnx for your valuable comment. 🙏