People dishing out crap advice or proposing ridiculous limitations are speaking from positions of fear.

I take lots of breaks, I allow myself days where I just go to the park with my dog to read a fiction novel, I don't sweat a cluttered house.If I could give advice to my younger self, I'd tell me to do the above - forget the dishes and go play with my daughter. 

Spending time at my parents cottage, thrift shopping, gardening with my son, and listening to the BP podcasts while making dinner or washing dishes.

So I take the best of those - small portions of rich food + wine from the French - fish, seaweed, and soy from the Japanese, and grain-based mostly vegetable dishes from the Lebanese.

Unless I am on the road my wife has not cooked or done a dish in that time..

For the kitchen I added a dish cloth, two wine glasses, a bottle of non-alcoholic wine and a Ikea metal fruit basket.   

Yes they are supposed have endless hot water but they can only heat it so fast and a smaller unit will not keep up with a shower and the clothes or dish washer.One of the biggest problems for tankless water heaters is improper installation especially for natural gas versions.

At least you posted this on the forum before dishing out $40K.

We were dirt poor but everyone was a stickler for cleanliness and not having stuff everywhere - food went in the trash, dirty dishes got washed, etc.

If you can manage more then a 4-plx+  then my suggestion would be to move towards one multi family investment property.Not making dumb moves starts with not stacking your dishes too high.