> and any job I would consider would have to be 100% remote.
The problem is that if you lose your job this plan will crumble on first contact with the enemy. I'm job hunting right now, and between 'ghost jobs', bad recruiters, low ballers, take-homes with unstated requirements, leetcode grinding, system design studying, optimization for "best talent, lowest salary", and the fact that workers have absolutely no power means you don't have a choice how you work at some point.
Once savings start to dry up, you'll work in person. You'll move if they ask, you'll take a lower salary and a worse position... after all, do you want to eat?