Your really fortunate to be in that position. I would do just the same.
It's sounds like you've thought things through and got your 'head screwed on' right.
As you say life is too short. Believe me time moves along fast, and my advice is to enjoy your life to the max, but don't take your 'eye off the ball'.
I've met too many Brits living in Phils who one day discovered they had nothing left in their 'financial well'. It doesn't take a lot of time, effort or money to keep you future alive.
Here's wishing you a great life![]()