I guess I'm just agreeing with you from a philosophical point of view.
For what's its worth for anyone (including OP) reading this, I found success in studying philosophy as a poor man's CBT especially Existentialism. I think an argument could be made that these two things are the same thing but represented slightly different language and with slightly different goals.
I tried CBT, and it didn't work. Admittedly I only tried it once. There are lots of different flavors of CBT for insomnia, and maybe if I had tried harder I could have found one that did work. The problem is finding a doctor who knows about it and will work with you, especially if you don't live in a big city.
Benzodiazepines are worrisome drugs, but I have to admit that for my insomnia, they were almost magic. Once we got the dose right it went away almost literally overnight. But then, as the OP illustrates, doctors aren't necessarily helpful in getting back off them.
Truth!! I had to discover this for myself as well, and I'm continuing to figure it out as I go (currently lost about 50lbs in a 150lbs weight loss journey).
I'm sorry if I came across as judgemental, nor do I want to diminish your accomplishment. As someone on both sides of these drugs, it is no easy feat to make this big of a change. Kudos!!!
It sounds like the medication has done its job in that it has given you relief to get some sanity back and to focus on other options.
You may take the view that you can always take them, but circumstances change (your doctor may no longer be allowed/feel comfortable prescribing for a long time - this happened with opiods) or you may not be able to get access with them for other reasons.
The drugs will most likely stop working or rapidly increase in side effects after very long term use, it's generally just a matter of time.
I would strongly recommend you get a plan to taper if possible and look into alternatives. Many think the benzodiazepine withdrawal is as bad if not worse than opioid (plus it can be lethal).