>The crazy thing is that we have basically everything we need right now.
Have you travelled? This doesn't describe most of the world. Most of the world would need to increase carbon emissions to live the way you're describing.
You aren't describing a zero carbon lifestyle, you're describing a lower carbon lifestyle. And we still use carbon in building the things in your scenario: the building, the car, etc.
Lower carbon lifestyles can slow the speed of the increase in global warming, but as long as we're emitting any carbon we're increasing global energy forcing.
By all means choose lower carbon lifestyles, but fundamentally we need nuclear or renewables + battery or all of the above such that we don't face a tradeoff between energy use and getting stuff people want.
Energy is extremely useful.
Indeed I have traveled, and I am in favour of nuclear and renewables and batteries for pretty much the reasons you state. There are other issues (concrete production comes to mind, and it always bugs me that houses in Europe are so dependent on concrete when its a huge emissions source) but when you're running your building equipment and factories and transit networks on zero emissions electricity (so we can include nuclear, which I suppose isn't renewable but is still very low carbon) then the building, the car, etc. have lower embodied carbon as well.
The idea of average individuals being the relevant actors in global carbon emissions is pure misdirection. They're not, it's systemic with industry being the main culprit and the rich being the ones who benefit from that socialization of pollution costs.
The AMOC shutdown isn't merely "possible" and due "this century" either. The math of the dynamics of complex systems shows the current behavior to be signs of a phase transition in the process of happening. The speed of that shutdown isn't "decades" either, it's more likely just years.
The voices of "experts" telling you it was all some incomprehensible conundrum should deeply worry you. They're either not being honest or they're no experts.