I would have to say that, in general, those are all correct statements.
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As to ‘less than ones ideal’, I would say, yes, I feel that way. There’s a girl (well, woman) I quite like, but she’s kinda not so well educated. I still like her though - but I guess I don’t really want her for my spouse. IDK. I waver a bit. I don’t care if she is less educated than myself - she’s quite kind and we get along VERY well. We’ll see . . .
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I don’t think life is about money and material things, no. A lot of people do though . . .