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Why wouldn't I want to be free of the debt sooner, have stronger cash flow per month and stop sending my money to a lender instead of my retirement account? Guess it depends on how you want to spend your income.
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That's funny because by not racing to pay down a <3% debt I have more money to invest in assets that grow at >3% ROI.
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Yes, true, but you're also losing money to interest payments you could have avoided. Do the math and see how it works out over the life of your loan versus what it would have been paying down faster. If your ROI on your investments outpaces that, good for you, but most people aren't so lucky.
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I'm pretty sure the vast majority of investments outpace 3%
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Depends on the rate, why do you want to close out your mortgage so quickly?
When rates dropped sub 3% in 2020, I happily extended my mortgage out another 30 years.