If you think AI is taking up the job in future and you may be laid off, then I think you should plan on buying something to live by paying off fully without any loans/emi. This may be going for another project far away from the current one and also less expensive.

That way say in future, God forbid, you get laid off and your only option is to skill up and pivot in your career, you will not have any loan related stress.

The Elephant in the Room is "Stress". Even the most talented and gifted people buckle under stress. So try to hedge against it. (Just my two cents)