My main worry is that I won’t save enough for hard times in the future if I’m living organically without much future planning. Have you ever had fears like that?
If you’re a software developer (or a plumber or a CPA etc) you can always get back into the workforce after some amount of time. If it takes you 1 year to leetcode and find a new job, you just need to keep 1 year of expenses as cash on hand.
Tail risk is a different story, but you can spend your whole life working and not save enough to handle all tail end scenarios