Yes, I pay a mortgage. Partly because I have done so almost forever and had no clue why anyone wouldn't being paying one!
While it would, of course, be very. very nice not to fork over the mortgage payment every month, it does give me some comfort that I can take a deduction for the interest paid.
When I pass on, my kds will have to decide what to do with my place - I assume they will sell it, and benefit therefrom, but they will also know that I've been careful with their "investment!"
My brother has had a gazillion homes and has never had a mortgage. He's still solvent, but notoriously "tight" so I don't why!
SWR