This is a very difficult question/problem to answer... since there isn't a blanket right or wrong answer for all.

The issues you are struggling with are the very same as the ones I have personally dealt with.

Being a physician and helping people is awesome, but being a part of the (very) broken US healthcare system is frustrating.

If you are like me, then you will do poorly with a simple, traditional "retirement." -- So, I would recommend that, if you do leave your orthopedic surgery practice, you retire "to" something, rather that just retiring "from" being a surgeon.

I get stir crazy unless I am doing or building something challenging and/or helping other people.

Finally, I would recommend thinking about your bitcoin savings in bear market terms, not just in current USD prices or--especially--bull market prices.

If the USD price drops 60% next month and stays depressed for 24 months, can you still survive without your orthopedic income? If so, retirement is probably a good option. If not, keep working and stacking sats.

Not sure if any of this helps. But I think that you are thinking about it correctly.

Cheers.