Klingt gut. Die Beträge sind hoch genug, dass es für mich sinnvoll klingt.
Wir müssen Multimillionäre anzapfen und nicht die 40k Einkommen gegen die 80k oder 150k Einkommen aufwiegeln.
Wie definierst du für dich Reich? Also ab welchem Einkommen oder Vermögen?
Please read my second sentence again. I think you missed the 'but' in there. I am aware that credit cards share too much data.

Payment speed
How long does it typically take for a bank transfer to go through? I am seeing some big variance in how long it takes to get those being credited. Almost feels like those are being processed manually?
I am currently considering to switch to credit card for faster processing, but I don't want my payment to be visible to US companies.
The page in question is the first search engine hit for me when searching "LibreOffice ribbon". The official docs are not even on the first page. Looks like the docs need sone SEO love.
I was following this article from 2023 https://itsfoss.com/libreoffice-ribbon-interface/
But great to known that this is way easier now. Thanks for hint
It has a nice ribbon UI like MS Office! Unfortunately it is super hidden as you first need to enable experimental settings before you can switch it on.
I think that is even more realistic than US produced MacBooks.
Only other piece I would add to your great list: have at least one on-site and one off-site backup of your password manager, you're 2FA codes, and your data.
Can you explain the VPN part a bit more? What do you mean with discretion here?
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