You can get an S9 pretty cheap these days (I saw some for $100 each recently). Don't worry about the mining efficiency. An S9 is just as efficient at creating heat as any other electric heater. And the S9 gives you non-KYC sats. Just make sure you pick a good mining pool with a low enough withdrawal limit.

All I'm doing is working a day job. As long as you have a job that pays your bills, you should be fine. That being said, the economy is getting worse every day, so no job is guaranteed. My plans include the assumption that I will be layed off within the next 6 months.

To your broader point, everyone needs to be prepared for the price of BTC to go even lower. As the global economy gets worse, more-and-more people will sell their cryptocurrency holdings to pay their bills. BTC will drop further. On the plus side, many altcoins will go to zero and vanish forever.