Life is a gamble... for now you feel like you don't need it but eventually the HR algorithms are going to put a ceiling there just because you don't have a diploma. Working under someone who stopped thinking when they graduated or used AI to cheat can be miserable.
FWIW some people recommend getting a minimum-effort degree... but I would advocate taking advantage of the detour and studying something interesting (which may mean getting an MS). YMMV.