it sounds like you have a good attitude for making smart choices about how you use your discretionary time. I feel I should just point out however that generalisations about how much discretionary time people have don't always apply as widely as you may believe. There's probably a certain bias to the "average" person you meet at, for example, marital arts clubs, as they're the people with that time. In other circumstances or phases of life people count their discretionary time in minutes per day, and that is probably right at the end of the day. Not criticising, just hoping to widen your perspective a touch.