IMO, what it boils down to –
Facing adversity can strengthen you.
Do you risk it ?
The Gr”a asked the Dubno Maggid to give him mussar. He told him: You’re the Gr”a, big “kuntz”. You stay secluded in your room all day learning. What would you be like in the world outside ? The Gr”a began to cry. Afterwards, however, he turned to him and said: “Ich bin nisht ah kuntz macher”, meaning, we have to do the right thing, not be an “oiber chacham”.
The previous point about tzadik ben tzadik remains, however.