I think many experiences do compound. Most people who take the traditional path of working straight after school trade security for reference experiences which help in understanding what they want, and helping deal with challenges further down the line. For some this is fine, security is what they want and the 'what ifs' and opportunity cost on growth experiences will not bother them. For others this may cause more existential problems down the line.

As a generalising anecdote, some of the greatest people I have worked with had very non-traditional paths early on, and I find them to have a greater 'big picture' sense, more resiliency and more humour in the face of adversity. But are not as rich in their 40s as others.