Beyond eventual self-funding, there are other reasons to potentially consider a term policy:
Even if you do not expect to self-fund, if your financial assets will increase in the future and are low right now, the much lower term-cost may be worthwhile. I pay $10 / month for my term coverage, and I would not have opted in to the ~$100/month average you project elsewhere.
If you expect that technological progress will greatly increase during your lifetime, e.g. short AGI timelines, or curing all disease, you may be primarily interested in coverage for the next ~20 years vs. after that time.
Beyond eventual self-funding, there are other reasons to potentially consider a term policy:
Even if you do not expect to self-fund, if your financial assets will increase in the future and are low right now, the much lower term-cost may be worthwhile. I pay $10 / month for my term coverage, and I would not have opted in to the ~$100/month average you project elsewhere.
If you expect that technological progress will greatly increase during your lifetime, e.g. short AGI timelines, or curing all disease, you may be primarily interested in coverage for the next ~20 years vs. after that time.