Congrats on your first buy. It’s not easy to save up money and ready for long term financial commitment, but bc of that, I agreed most of your POV., except you suggested don’t take it as an investment. This is wrong, most people like you and me buy property would finance from the bank, and your repayment are all on Interest approx first 10 years. Therefore, you want its value will goes up in the future to cover your cost when you selling it. Just like putting your money in the bank earning interest. Don’t be so sure you’ll live there till you old. Situation changing all the time. Once again, congratulations and enjoy your new home.