No, it's not. Just think about your stress levels commuting, people infecting you with all kinds of diseases at work that lower your quality of life and have the chance to impair you to a great extend.
My stress level while commuting is basically zero. Tbh the commute makes me less stressed because it’s a nice time to listen to audio books and provides a physical barrier to “transition” into work mode. I dislike RTO for other reasons, but my stress level was higher while WFH than it is from commuting.
Nothing is guaranteed, and if you're young having a few stressful years now then retiring is certainly easier than working dead end jobs for another 20.
Someone who retires at 40 probably goes to watch movies, eats in restaurants, and travels on airplanes.