ALLOW i am in fr also,a damn sight longer than you are and i can guarantee you that one fine day you will realise what is actually happening to you.by then i hope there is else where that you can go to earn a living.in the meantime enjoy the crack.try not to dwell on your future outlook,it is not pretty and you will not like it.you may even moan some day.hope it is not when you lose your licence or retire and realise you have but dust in your pockets.
"sure there are lots of downsides",ever increasing unfortunately!!!enjoy living the dream,when you wake up you are in for a real shocker.