California E&S Insurance

100% agree with this. Due to this health scare, OP seems to be leaning into the other extreme of providing for massive buffer that's unneeded as long as you are (1) sufficiently covered (OP was under-covered for that situation), (2) have enough cash buffer (or at least have sufficient assets to easily liquidate should an emergency arise) and (3) are conservative in SWR and provide sufficient buffer for your FIRE lifestyle (30+% buffer is overkill). Frankly speaking, you might kena long-term health issue like OP, or you may kena stage 3 cancer/accident out of nowhere (3 of my relatives died early this way between their 50s and 60s) and pass away before you even reach your FI target and get to enjoy the fruits of your labor. Ensure you are properly covered and aim for what is sufficient for FI, not overkill.

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