I'm sorry to say, the first few are all bullshit. Landlords will absolutely pass on interest rates to you, whether or not they have a mortgage. "muh market rates".

the only things that make sense is if you're planning to move in the next ten years and "risk tolerance", which is an issue if you expect to lose your job in the next few months.

or you can budget such that you could still pay off your mortgage on minimum wage - it won't be a big expensive house, but it'll be yours.