I would like to propose slow cycling. Commute by bike. At a stroke, you remove the need for and absurd cost of public transport. Cycling is almost completely free. There is no longer any need for the gym as you get fit by cycling. And you can go at your own pace.
I've never understood activity holidays since we seem to have far too much activity in our daily lives as it is. Find a culture where loafing is the order of the day and where they don't understand our need to be constantly doing things. Find somewhere you can have a hammock holiday.
Being good to people is the only insurance policy you need.
We need to claim lunch back. It is our natural right. It has been stolen from us by our rulers. The fear that keeps you chained to your desk, staring at your screen, does not serve your spirit. Lunch is a time to forget about being sensible, practical, efficient. A proper lunch should be spiritually as well as physically nourishing. Cosy, convivial, a treat; lunch is for loafers.
Pain will never leave us. Instead of putting energy into destroying pain, we need to put energy into creating pleasure.