most of those aspects are to be fair, part of the Financial independence part, not so much the “retire early” part which makes for the catchy acronym. Examples I see have done exactly that, quit their jobs, not picked up anything new and just spend their time relaxing and doing hobbies etc.
for me, I doubt I would ever “retire” in the first place. so I would still work even if it’s not needed for bills and living expenses, because it’s a structured part of my lifestyle and keeps me grounded. will be less hours, but not necessarily one I “wanted” any more than my current one. The financing in my case wouldn’t be to escape work in any way, but instead to just keep learning things that interest me no matter the cost until I run out of things to learn or time.
when problems crop up in the market, they tend to ripple out, so even having multiple sources of income won’t secure your livelihood enough to be worry-free.
My main point is really at the very end of the post, regarding assets that don’t contribute to the FIRE goal, but can act as insurance against everything going wrong in the market. whether that’s gold, silver, tulip bulbs… Like how banks hold reserve funds, you should have something to prevent harm to your income stream due to bad years even if they may already be priced-in.
also important is aspects you can address while still in your day jobs earning a primary income, that are outside of investments, like building/renovating a zero-sum home. ways to make it so that a single lump some of money put in your home, can negate the need to pay any consistent streams of bills once you make moves for a FIRE lifestyle.
edit: at least by keeping jobs I don’t like, there is less worries I will bore/tire of my skills and hobbies in my freetime.