"Four years' worth of GSUs oughta be enough for anybody."

No. Not even close. There's a reason it's called golden handcuffs. It all depends on where you are in life. If you have a mortgage, it won't be enough depending on the house you have. If you don't have a house, you will have a lot of FOMO. Big time.

It's all about pscyhology - you need exactly 0$ if you are dedicated and don't have dependencies. Ok, let's say just couple thousand for a room and food.