I try to live by the rule of I would rather be alive than dead. Being “right” is no consolation when you’re in a hospital bed dying.
The same goes for cars and especially bikers. You may be right, but being right doesn’t stop the giant SUV next to you from flattening you.
Assuming you are talking about in the US, shelter is included in inflation calculations. You can argue about the methodology, but the cost of having a home is in there and does contribute to inflation. It is about 30% of the overall basket.