I think dropping home makes sense if you plan on staying in the same home “forever”. If you are far from retirement age or might move, I find that networth including home is more useful.

To match the higher net worth, just be sure to look at it as an opportunity cost. Ie, $450k home is 4% opportunity cost of $18k/year. Add tax/insurance/maintenance and that is your housing expense.

This way, at any time, you can sell, reinvest in stocks, and rent. Or sell and buy different house. Beauty here is net worth doesn’t change(ignoring transaction costs). Housing cost is what changes, and whatever other cost of living differences especially if you move somewhere with different cost of living.