yeah pretty good choice but I tried to work in the money up front because of time value of money and the ability to monitor the money.
That was my first thought. But the girl is pretty much a necessity in my opinion. No human contact for 10 years would definitely make me go insane. Then the food. I couldn't do the fast food option and be alive in 10 years.
That only leaves me 6 points. I don't think the 5 extra points are worth the $5M (even on the front end + TVM).
Now if it was only $1M/point, I would take $9M upfront for Girl, Kitchen and Stock Market (total of 31 points).