Both my life and my money are important. I would have retired when I was 18 if money wasn't important. Money can improve life. Money can improve the lives of others. Sometimes money can buy life. It sounds trite, but it is actually a complex question.
I can cover my own general living expenses and standard medical needs until the end of time. That is not an issue. What I want is the financial security to know that any realistic set of special events that I or those around me may face can be addressed ...
LTC for myself. LTC for my mother and step-mother. I almost had to buy my mother a house last year. One of my brothers is almost destitute but doesn't seek help - at least now. I may loan a friend money so she can buy a house. I spent over $40K in vet bills for my own pets and the pets of friends over the last two years. These are just a few scenarios currently on my mind. There are also the unknown future events. Not the asteroid impact threats, but real events that real people often face.
Interestingly enough, financial security seems to be on a moving scale. Currently, I'm considering paying the college expenses for the niece of a friend from the Philippines. This probably would not have even come up as a possibility five years ago. But today, because I have accumulated additional wealth by not retiring, the financial aspects of this decision are nearly irrelevant. The situation itself is complex but not due to financial constraints. Here is an opportunity to help a real person, perhaps change a young woman's life and allow her to live in this country, all due to the financial security and the value of money earned from OMY syndrome.
People often make comments like "time is greater than money," but in reality it is a lot more complex than this. At least it is for me and my decision to keep working or early retire. The million dollars mentioned by the OP could be put to good use.