I mean, call yourself unlucky all you want (not really, you were just focusing your effort on the wrong things imo), you still made out like a bandit like this. If (rather, when) you get a proper humanoid monster form you'll pretty much be able to do everything you wanted + all the benefits of not being human. I guess kids are out of the question, but eh, you weren't likely to retire if you ever hit Mithril nromally anyway.