yaakov,
I think you have good arguments that CY is easy to obtain in large Jewish communities. I am also sympathetic to being more careful in mitzvos.
Still, there are costs and compromises this causes. Count all funds spent on obtaining “frummer” food. If you work, as Chofetz Chaim said explaining why he did not have a certain sefer at home: gelt is tzeit, and tzeit is Toirah! How more you would be able to learn? How more time you could spend learning with your children? These are core Torah mitzvos. If you are a gvir, you probably spend more – and you could have given more tzedokah. If you learn when your in-laws or gevirim support you – you could decrease time you depend on tzedokah. If you, H’V, obtain government programs despite being able to work – you can decrease amount of geneiva.
As I mentioned above a simple way to see how balanced you are – are you more machmir in sakanah than in issurim? Do you spend more effort making sure you don’t drive in a risky manner than on buying super-frum foods?