It's okay to do things that don't maximize your return.

Everybody is so obsessed with squeezing out the maximum amount of money from everything, it's exhausting.

Squeezing out the expected amount of money, making it even more exhausting.

Guessing what your yearly house-owning costs will be, and what the market will be when you sell, is in the realm of crystal ball scrying. Sure, you might be able to guess "reasonable" estimates, but individual instances aren't necessarily near the mean value.