Yeah, I think as other posters have said, medical and things like long term care (NOT COVERED unless you are DEAD broke in CA meaning you have less than 2k I think on you as a single person) is a big wild card in the US.

As cvmom mentioned as well, finding work again after you’re out for a while and 40+ is incredibly hard I think with all the new programmers and simply “cheaper” resources.

Best of luck. I’d suggest a sabbatical if your company offers to let you do that without pay.