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I've always found this line of reasoning funny - "if you don't drink a latte everyday you can save $1800 a year!" but I've always seen it as "for only $1800 a year you can have a latte a day!"

there's also the opportunity cost of never being able to have that $100 invested and growing compoundly until you sell/die, which is an absolutely colossal loss

as einstein or someone else said, compound interest is "the most powerful force in the universe."

Yeah but I don't need to buy either of those once every two years.

Meanwhile it's enough to afford the down payment on a small car in... 4-5 years or the down payment on a small house by the time you retire.

I agree 100%. I've been a following FI for a couple years now (just graduated last year) and it's helped me feel a lot more secure about my future. I worry about less than my peers too.