I agree with most of your statements. However, I don’t believe you should ever auto pilot. Life is about constantly, and consistently challenging yourself. Auto pilot, at any age, are for duds. Why auto pilot during middle age? I’d argue that you have acquired so much wisdom, leading into your middle age. Why stop the momentum. Use all your wisdom ALWAYS! :)
I have read that certain earth beings sometimes replicate themselves, and navigating the needy replicants needs & wants requires rejiggering how much life is spent where.