Interested in hearing any other stories.
I also now realise I severely underestimated my pricepoint, but that would actually have made it worse: I did not believe I could generate the revenue or value to the company to match the salary I'd need, and I didn't want the guilt trip going in.
I've stayed in the Not-For-Profit sector on a 3-4x lower salary, and I'm tolerably content.
I do feel I let the guy trying to hire me down. I should have been clearer sooner, so he didn't waste time on me.
Separately I declined Amazon when I learned what a complete bastard employer they were but I didn't even get beyond the "how would you do this.." no time-waster barrier questions (again, I was a direct referral so I bypassed the normal gate-keeping)
The last thing (and this is specific to people going FAANG in the USA) is that if you work in the US even on temp visa you have 5+ years of the IRS in your life when you leave, you have double-taxation risk unless you pay accountants, and your IRA/ROTH is almost certainly not considered tax free in your normal domicile and you can wind up having other costs like "you left our health system, kiss goodbye to your lifetime rating" -If they employ you in Europe or Asia you may not have these problems because of sane taxation and bilateral treaty models.
I wasn't young. I had higher exposure to these risks.
This was 12 years ago and the salary plus stock was nothing to sneeze at. I have zero regrets.