Thank you for your comment @MrCheese
In order that the discussion doesn’t too much emotional (for me at least 
) and that this topic doesn’t get derailed from its initial intention, I refer you to my answer on this thread: Fondue.blog Forum | Swiss Personal Finance & FIRE Forum - #23 by _MP
My thoughts haven’t changed since then, and I am happy to talk more in depth about it with you there.
Happy summer!