> 10M is enough for a large estate with privacy and natural beauty.
Where is that? Are you planning on living in the country? In most large cities, it doesn't seem like 10MM will be enough for you to live in an estate and still not have to work for ongoing regular expenses (food, etc.)
And it's fine you don't want any of those things. Better than fine, that's great. But there are a lot of things that you need more than 10MM for.