> It's not about "no downside"! That completely misunderstands. It's about a HUGE upside.

Let's compromise and say it's both? You're right that the upper bound experienced may be a lot higher than most may realize, but it's also true that the lower bound may no longer seem that deep of an abyss as it appears to most. Hence the mental equilibrium in-between being at a point that can seem somewhat alien to those who live more slow-burning lives.