I agree that pursuing philosophy will be an incredible life experience and I definitely do not want to distract anyone from doing this. I also agree with your "adventure" mindset, which I think is a very good approach.
In good faith and not wanting to unwittingly mislead anyone about anything that I might have said or implied about my own situation, I should clarify what I meant about my comment - I do not mean that anyone smart enough to get into a competitive PhD program will be able to find lucrative employment afterwards and elsewhere. In fact, I consider this to be very unlikely (for a plethora of reasons which I will pass over because I consider them to be ancillary) but I only note my dissent because, in accordance with your "adventure" mindset, one shouldn't pursue philosophy for extrinsic economic or social considerations, including thinking that lucrative non-academic employment will be available at the end (which is not true).
Rather, more humbly, I mean to advance a more modest proposition or dilemma. That even normal life opportunities will be passing you by in the formative years of your 20's as you pursue your PhD candidacy, such as earning and saving money, travelling, buying a house, establishing yourself, getting ahead (beyond academia), and/or having a family (although it doesn't matter if none of these are important for you), noting that some opportunities only come by or are the most fruitful in your 20's.
I only wanted to clarify because I do not wish to mislead anyone about their non-academic job opportunities afterwards. Part of my own agony comes from the realization that my own fulfilling career will be gone if I choose to pursue a PhD and wanted to return.