Personally, I wouldn't be satisfied with only a few million. We all have our different targets. With only a few million, 30% or so of it is going to taxes. So now I'm left with a couple million. Then what? I buy some land, pay off remaining debts, buy a small business, and be left working again so I don't spend the remaining one million. Which will realistically only make me about $50k-$70k/year in interest from a diversified portfolio. Yawn.
I've always been a get rich or die trying person, and a few million just ain't "rich" enough for me. I want billions. That may not happen with my XRP holdings, but if I can reach my target, I can use that to catapult my way up to the three comma club.
Will I ***** and moan if I only make a few million? Probably not. Will I be satisfied? Not even remotely I just have wild needs and wants. Grandpa Rick is a greedy pickle.
Mostly, because I cannot effect change in the world on a large scale with only a few million. If I want to fly to a remote relocation that needs hospitals, and schools, and food and so on, I need to have a lot more capital to be able to truly change that location for the good. So on and so forth. I could rant for hours.