I agree that it will be this way at a high level, but I was curious to see if people had tried to hash out any more specifics on the subject.

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Dunno if there can be specifics if it boils down to individual decisions. IMO if you understand money the value question is already answered.

It's an ongoing process for me. I'm still learning and don't have a solid foundational knowledge of economics and money. So maybe my original post was not a good idea, but I am fine with getting roasted and beat up as long as I learn something new or gain more perspective, and I definitely feel like all of these replies have helped me to do that.

Mises theory of money and credit opened the floodgates for me.