It's not that bad. If you're an adult making a living wage, and you're literate in some IT principles and AGI operations know-how, it's not a major onetime investment. And you can always learn. I'm sure your argument deterred a lot of your parents' generation from buying computers, too. Where would most of us be if not for that? This is a second transistor moment, right in our lifetime.

Life is about balance. If you Boglehead everything and then die before retirement, did you really live?