I think you make a very valid point James, and you worded everything so well! I will say, however, that everyone does come from their own perspective and so for one person to think it's rediculous to move home after 25 (for instance) that doesn't mean their opinion is wrong. Perhaps it's their point of view - and for some moving home (in this instance again) is a sign of failure and "not an option". Though, I'm purely addressing one idea. I think that you hit everything else on the head!
And that's great - for some late night thinking