The "early hours are pure stress" thing hits home because that's literally how everything works now. Think about a new phone, a new job, even a new friendship. The first part is always chores and confusion before it gets fun. Animal Crossing just copies real life that way, you grind to pay off a tent so you can finally relax, same as working all week to enjoy your weekend. We call stuff cozy when we forget the setup part, like how people say camping is peaceful but never mention putting up the tent in the rain.