I've struggled with depression for around a decade now and I can't even imagine that this would damage my mental health more than owning a house no one can take away from me would help it. I'm not the person you said "somebody who never goes outside and never opens their curtains for weeks at a time" I play a summer sport and a winter sport, go camping, exercise. 100 days is nothing and 250k (I read it as 500k each but still) is in fact 8 years of median income in the US or almost 7 in my state. That would put you more than 8 years ahead if spent smartly, that's 8 years pay up front

Being in a room with another person for a couple months cannot be near as painful as being micromanaged at work.

I'm not trying to "debate you" about your perspective, just sharing mine