Friendly reminder that you don’t need to buy WotC/Hasbro products to play 5e. The 5e publishing ecosystem is pretty strong and there are lots of options so that you don’t have to get rid of your old books. Level Up Advanced 5e has free PDFs online of their whole books, but the books are fantastic quality. Tales of the Valiant is coming soon, and there is a huge catalog of Kobold Press content before that. And then there are hundreds of smaller presses that also support the ruleset. I haven’t gotten any WotC products in years even before the OGL, mainly because quality seemed to be taking a turn, but there is still great content out there.
That’s a wild question, cause for me and most of the people I know, a fantasy version of myself with double my income would mean not worrying about groceries, maybe a short trip out of the country once a year, being able to pay off debts, and affording some medical procedures that we’ve been putting off. Maybe saving some money so my kid isn’t homeless in a few decades. Not some life of leisure.
To answer your question, though, it would be categorically worse.