Cash flow is another facet of paying off your mortgage early, and I think it’s underrated. Eliminating thousands of dollars from your monthly expenses dramatically increases your flexibility. Since most people have “cash / reserve fund” and “retirement investments (do not touch)” as their major financial categories, it optimizes the one you interact with the most. You don’t need to always make the maximum possible to keep a comfortable amount of cash on hand, which gives you more flexibility to take time off between jobs, or tank a layoff, or take that startup job that pays less (but damn if it doesn’t look fun). Personally I recently bought a second apartment adjacent to my first in order to combine them into a 3br. Paying off the first mortgage years ago was the difference between being able to afford the monthly expenses and not.
Obviously you need to consider both net worth and cash flow when making a decision like that, but don’t underrate the difference that improved cash flow makes!