Not thinking about it isn’t the same as deciding that there isn’t an answer. Nor does it preclude planning. It’s just not something that bothers me or seems important. I have more interesting existential thoughts when I think about the enormity of the universe.

I also don’t see why you think there is risk in it. After all you can have a long term plan to do extremely dangerous things to self actualise. Both routes (a false dichotomy in itself) in fact have a possibility of having very real negative consequences even if your plans are dull.