Of course the crew doesn't even see gender so no micro aggression there. But the person writing the question is not only assuming the fictional persons gender but was completely silent about their race so I find the entire question to be non-inclusive and thus unanswerable

It's all a charade. If you have insurance those numbers just are about meaningless. They already have a contract with your insurer to pay a fraction of each of those and call it a day (and they know what those rates are). All it does is give them an insanely inflated "MSRP". And I don't even see a ER physician charge yet (likely coming in an entirely separate bill) btw, that $1700 Chest X-ray will likely be reimbursed about $25 The whole medical billing system needs to DIAF

if you feel comfortable with the linux command line, you should be able to move the app directory to your second hard drive (make sure it automounts) and then symlink the umbrel app dir on your primary hard drive to the app directory on the second drive. Works for me. Now be prepared for when you upgrade because it will not respect that and you will need to do it again. It would be much easier if they just let you configure manually which directory to install things to

As far as loans go, federal student loans ain't bad. 4 years of subsidized deferment, forgivable upon death and multiple other ways to get them partially/fully paid for. Rates are not horrible and you can pay them off over decades. Leave the gold in the vault and pay the fiat loans with deppreciating fiat. Reevaluate post graduation. And as always, borrow as little as possible and use that money as wisely as possible.