yeah, Armageddon has about a 1% chance of happening, so don't fuck up your whole life and your ability to retire because you put way the fuck disproportionate preparation into that... like 20% or even 50% like some people seem to be inclined in those kinds of ways to prepare for holy shit not going to happen events - and I am NOT sure if that is just a means to talk themselves out of actually pulling the fuck you lever when they really should (but yeah, ultimately their discretion, and the above remain just factors to consider rather than trying to tell anyone what to do with their ultimate conclusions regarding what is important to them).
I don't really disagree with any of what you said, including the unquoted parts. But having seen the medical issues destroy people's finances more than once, in my personal list of things it's on my list of "it's comin' down the pike" rather than "small chance Armageddon scenario", so as you point out each person has that different list of factors they consider at various priorities.
I totally get that some might see the large numbers and say "fuck it" instead of saving now, hopefully few to none on here, but I just consider it a journey. If I end up there great, if not, well I tried and will continually evaluate my options with regard to whatever curve balls life is throwing at me or likely to throw at me at the time.