It sounds like you are making a lot of rationalizations for not investing the time to practice live-coding and whiteboarding. Those are skills that can be learned, like any other.
OTOH I'm already near the top of my earning potential as an IC in my area (and for most remote work that doesn't require some prior connection with FAANG & co or excellent skills at algo interviews) so I'm looking to move to roles that don't require that particular kind of prep and are higher-paid besides, tending to be more about concepts, people, and communication (architect, manager, that sort of thing). So I've done just fine working (and interviewing) the way I do, and hopefully the sorts of interviews I'm bad at won't be relevant to me a job or two from now, anyway.