If you are earning more from your capital, than you are paying out in loan interest, live with the interest payments.
When your not earning more, pay off your debts.
When you retire, cash in everything, put as much as you can into Interest + inflation cash bonds, or tax free interest funds.
No dramatic gains or losses.
Pay off everything, put your feet up, and have no investment worries.
Worked for us.
Been retired 26 years, and reckon we are good financialy for another10-15 years at same rate of depletion.
After that, if still here, will be to old to give a toss anyway!
Thanks to Covid, and minimal spending on travel etc. showing a good profit this year.
Will treat myself to an ice cream when weather warms up!
