Well, thanks for the confidence; you did hit the nail on the head. I haven't taken a real vacation in 20 years, although I did live in vans and hostels for 10 of those years. For peace of mind, I maintain a set of PGP files signed and keyed to each of my clients which I flippantly tell them to open "if I get hit by a bus", that contain all the SSH keys and details needed to get to their source files / DBs / webservers, extra code hints and lots of juicy advice for whatever unfortunate developer takes over after my demise. (Including shit like, this software is way too old, rewrite it).
If you saw what I write you'd say I was a 20x coder, but that's just from a youngin's perspective. I've been writing code since 1988. The basic value proposition for my clients is that they know I'll die at some point, but it's way cheaper and more efficient to pay one guy they know will get it done, and take the risk they'll have to scramble for someone else in less than 10 years (at which point they'll likely have to rewrite anyway). Also, the shit I write mostly maintains itself. I'm proud to say that my software in 24/7 production has had no actual crashes in years other than the occasional forced server upgrade. If I died, it would take awhile to notice if they didn't keep asking me for new features.