Even if we don't need a grand plan, do you just refuse to even think about it? All I'm trying to do is think about what the future may hold, and I noticed that there's an overabundance of memes and stupid quotes and a lack of any kind of questions like this. I get it that it ruffles peoples feathers, but maybe that's an indicator that it should be discussed more.

It's not something that can be planned. You aren't ruffling feathers because you are asking a tough question that no one wants to consider, you are asking a question that just kinda demonstrates ignorance about how markets work. You have to figure out what you are willing to accept for your work & spend on the things you need based on whatever reference points you have, fiat price of bitcoin & what others are charging & what your costs might be. Translating prices to bitcoin is the combined job of everyone with bitcoin & everyone producing things that people want.