You'll have to ask the other people that you initially responded to many posts up about the exact details of the tradeoffs that they made or if they were even referencing themselves, or even if they had any specific situation in mind.

Maybe those other people were talking about a friend? Maybe they were just talking about things in general and had no specific situation in mind.

I was just giving some possible situations or hypotheticals that would justify their arguments that they made.

But I am glad you were able to basically agree with me here that their arguments were justified in certain circumstances.