You could end up losing a lot of money and having stress if you buy now and then a personal situation causes you to want to sell in a few months.

Somewhat stressful.

Almost certainly overkill, but I’m 100% happy to reduce our economic benefit thru lower return on equity for improved psychological benefit of reduced stress (“where will the money come from”) and more control over my free time (I don’t need to drop everything to hustle my butt to hard money lenders to get myself out of a ditch).

I can't stress enough how important it is in these types of deals to have good representation!

You could fully retire in less than 10 years without stress or effort.1.5 - 2M should produce a income of 160K to 240K annually in most good funds.

If yes, this safety net will help take some of the stress from your decision and help numbers, not emotion, guide you.

Is it stressful?

The latter of the two options is more work and stress but if that's what you want it's an intelligent move.

Stress-testing your finances and emotions in the case of a job loss, recession or other unpleasant stuffIs your wife/partner on the same page?

Sounds to me like this may have been able to create better clarity and help resolve the ambiguity which created the stress in the partnership.If I understood your situation incorrectly and this answer makes no sense please provide some additional clarity and I'll try again.