It doesn't matter whether the market stays up over 30 years. If it crashes at the wrong time (especially if that's after you've retired) and you have 100K left, you have only 3 years to recover, not 30.
And even if the market recovers in 3 years, by then you're left with a fraction of your capital.
This is not exactly revolutionary. I have multiple pairs of bike shorts with slim elastic pockets in that spot. (Actually, a few inches higher, which is easier to reach without bending, and doesn't get in the way any more than the proposed location.)
I wish I'd looked for more opportunities to work with and learn from more experienced developers instead of being so overwhelmed by imposter syndrome that I was terrified to take a job where anyone who knew more than me could judge me.
AFAIK, every other method requires massive electricity input; and we’re still not getting enough energy from renewables for that not to mean spewing more additional carbon than we sequester for each unit sequestered.
(Of course, trees also require massive energy input. The difference is that we don’t have to supply that energy.)