Blessed are the cheese makers

I think this is right.

I just also want to toss in that (at least for Element in particular) the continuing lack of long-form composition or history navigation appears to be a liability with some contacts.

At this point it's probably fine for chat format one-liners in the moment, but for the communications that have historically been going over e-mail as opposed to IRC it's something of a pain to use.

Basically a good point. Merely never ending up in situations where it's a struggle to make ends meet has a huge impact on stress though. You often don't even have to use the wealth in order to benefit with respect to stress.