On: 4&7) How old are you? Is it likely your preference for having kids/living arrangements etc will change over time? Do note that even if your own preferences for living with friends remain constant, they may want to go the traditional family, home route. Also medical emergencies etc are of course rarer for the young than for the elderly.

8) This is a reasonable assumption, but be aware that if you are looking for a 9-5 job with a steady salary later in life you will need to explain the gap years to the recruiter. Also, if the need comes in the form of an emergency, you may not be able to acquire money fast enough.

Perhaps you need to investigate ways to monetise your talents instead of thinking about a traditional job that pays you a lot more than you need.