I love the analogy and your way of describing it. I'd like to add to the part where you say, "there are 3 big problems you’ll encounter: 1. You’re at a much greater risk of burnout"
I agree that overwork increases risk for burnout and I have also encountered a burnout fallacy. This is the idea that there is a 1 to 1 relationship with overwork and burnout. Our society can oversimplify burnout as a problem with overwork, therefore, take a break and overcome your burnout. Research done by Christina Maslach points to there being feelings of efficacy and cynicism that also play a role in our burnout. See https://forum.effectivealtruism.org/posts/NDszJWMsdLCB4MNoy/burnout-what-is-it-and-how-to-treat-it for a past EA Forum post that does a great job describing it.