When it comes to my dollars it's always a decision based on risk reward and for me I'm proactive when it comes to the car.
I'm usually(!!) right there with you, but on this battery front, I'm almost of the "let's take a ride and see where we land" mindset. Not really sure why - I spend more than $85 on ridiculous things all the time.
My Model 3 is just over 3 years old and 41k miles. It's been ridden hard and put away wet. I don't baby the car by any means - just drive it like I would any other car. And yet, somehow, it still survives the abuse... Part of me wants to see just how long I can ride the 12V battery; the other part of me wants to replace it proactively.
Maybe I'll just buy a battery and keep it on a battery tender so I can do a quick swap when the time comes......