Agree 100% with your first sentence.
As regards your last point, I am well on the way to achieving the very last part, but struggling to achieve the living comfortably till then bit.
Anyhow, anything you leave behind will be taxed horrendously, so what will you leave for anyone? debt probably.
Enjoy it whilst you are (more or less) young enough to. Finally, we never know if we will wake the next morning.