I couldn't agree with you more that people need to know their numbers and make informed decisions.

As for the opportunity cost, I ran those numbers, including an assumed 10% return on invested money. I don't recall if I assumed any appreciation for the home, but if I did, it would have been 1% above inflation.

So, sure, we can agree to disagree, but it isn't because I'm unwilling to consider your point. It's because I have, and the numbers led me to my conclusion.

Still, I'll take your word for it that in your personal situation you'll come out ahead by renting. As they say, personal finance is just that - personal. You may very well be in such a situation where buying doesn't make sense.

I put together a list of 15 such situations here: https://themakingofamillionaire.com/15-sure-reasons-renting-benefits-you-over-buying-a-home-50500a45bbc8.