Funnily I find the OP's thoughts to very much define what a main character is.
An NPC is given a role and identify and they are bound by it forever.
The main character chooses what they want. Whatever that is. But they exercise agency and their own will to choose their reality and what they wish to do and not do. What they wish to care and not care about.
The OP is not an NPC. I believe the OP wants to live a less stressful life. The OP is pulled towards a simple life that does not involve flashy things or high status (this is my interpretation).
Which in today's status signal fueled world may feel like being an NPC. But in my opinion, it is the exact opposite.