It sounds like you’re feeling unsatisfied with your current life and what you spend money on, and that you have a lot of ideas for what you could enjoy more but you have a hard time getting started.
Completely changing your life is hard, and you probably won’t go 0 to “move to thailand” in one day, especially not if you are lacking energy. You might need to start with smaller things. Do just one of the smaller things you think you might enjoy. Go to the gym once. Have a board game night once. Spend the 40 minutes on getting to a DND group once. Then keep doing small things that make you happier or bring you closer to something that does.
Also, if you like going to thailand, and don’t like yardwork or getting kitchen supplies etc, budget accordingly. Do the mimimal spend you can on yard stuff. It’s OK to not like that. Talk to your wife and find a compromise budget if you need to.
Or run the raid 5 or 6 separately, with hardware raid or mdadm
Even for simple mirroring there’s an argument to be made for running it separately from btrfs using mdadm. You do lose the benefit of btrfs being able to automatically pick the valid copy on localised corruption, but the admin tools are easier to use and more proven in a case of full disk failure, and if you run an encrypted block device you need to encrypt half as much stuff.