[xyzelement]

If you can be confident that you can coast your whole life and be well-off, then I have no argument against it.

If you are not confident, or perhaps want to make sure your children have a work ethic that is more likely to give them a good life - then it's a big risk to assume you can chill and all will be fine.

[Apocryphon]

The OP isn't coasting, it's about not maximizing productivity for the sake of it. It's about striking the right balance, avoiding burnout, working smarter not harder. Too often productivity becomes a cargo cult of austere asceticism rather than something that actually enriches one's life. Some days it's okay to work-to-rule.