I get what you're saying, but would I be unhappier using a CPU from 2000? not really, I mean it would use more power, that's about it.
You're not reaching back far enough.
I used CPU from 1980. It consumed less power, was faster, and saved to floppy faster. (compared to Xeon, Flash drive, 64GB ECC, Win10 that I use now.)
The difference is it couldn't display multiple video ads dancing all over a 4k screen, carrying personally targeted promotions gleaned by AI spying on my keystrokes and eyeballs at thousands of samples per second.
You say you didn't learn anything useful in college, self-taught the more important stuff. "IT" I called it, you mentioned going deeper. But that's all man-made software and networking structures. Soon to be obsolete. And undergrad often has a bunch of "breadth".
What I have found useful is my grad school including semiconductor physics, digital signal processing, control theory, statistics. If you haven't learned those yet, teach yourself. MIT "Open Courseware" is one option, notes and video recordings from past lectures. You can buy earlier edition textbooks for $1 to $20, vs. $200 to $300 current editions. I picked up such stuff to learn quantum, but it was over my head or at least I lacked motivation.
You need to keep learning what's coming. Those subjects I listed are timeless, while anything inside the computers you see today won't be around that long.
You're not in the top 20% of peers, more like top 2% to 5%. Of earnings. But possibly bottom 50% to 75% in terms of wealth because you spend it all (like most.)
The early years are the most important ones for investing, due to compounding.
Oh, are you doing anything at your job that can't be replaced entirely by AI in the next 6 to 24 months?
I designed custom ASIC microprocessors in the 1980's. We wrote our own CAD tools. We wrote our own silicon compilers. We wrote our own auto-routers. We wrote our own optimization of circuit speed. People suggested to me we were designing our replacements. That is probably the objective.
I left that work and moved on to many different and interesting engineering roles.
Keep running or you will get run over.