Yeah, fair enough. I've seen other posts where folks didn't seem to understand the opportunity cost, but it looks like you're making a conscious choice. That's good to see.

If you income tax rate is higher than your mortgage interest rate (and I promise you it is), you should consider maxing your HSA instead of making additional payments on your mortgage. Actually, with almost every financial product yielding more than mortgage interest there is almost no conceivable reason to be making extra mortgage payments.