I agree, divorce is the one thing you can’t really plan for. So, I’ll concede on that point. However, death can easily be planned by with a large enough life insurance plan.
WRT health problem, of course if you’re self-employed, you’d have to pay for your own medical insurance. Which is why freelancers make more than W-2er. Why do you have to get HDHP? Why can’t you get a HMO? WRT to $8k/year. I save more than $8k/year ever since I start working.
