A $1m home is going to cost you $3,500 a month right now for the mortgage. That's very affordable for a lot of people in tech, especially couples.
How is a ten-year mortgage less risky than a 30 year?
You will likely move and sell the house before the 30 years are up. The only risk is your home price cratering.
OTOH, having a mortgage "locks in" your price of housing for the next ## years. It's perfect for families and startup businesses because it affords some long term stability.
It doesn't sound like you're ready to settle down yet, so buying a SFH probably isn't the best move right now anyway.
You absolutely buy yourself a degree of stability and reduced future payments with a house but you're still probably looking at thousands of dollars a year for a standalone house.