> I think that $10 million is a great answer for "how much money is more than you'll ever need".

Years ago I lived on $40 per month, after building my own cabin in Oregon -- wood heat, kerosene lanterns. Then I bought an Apple II and things got more complicated (https://www.atariarchives.org/deli/cottage_computer_programm...). But basically I agree with you. Most people will never have that much, or need it.