so the conclusion is that I should get life insurance and try all the drugs I always wanted to?

If you have 'always wanted to' try a bunch of drugs.. yes probably you should (according to that advice).

The thing to realise is that many people don't have any desire to try (the things that we call) drugs, so your comment isn't exposing some flaw in the advice.

If an oracle told me it actually is my last day, I'm not suddenly going to smoke some weed, snort some cocaine, and shoot up some heroin. I wouldn't want to any more than knowing (or assuming, as I do) that I'll live until (at least!) tomorrow.

You really are sure you wouldn't do anything different if an oracle told you it is actually your last day? There are so may possibilities for making the most of it.

You could take out every bit of loan or debt accessible and transfer all the money to charity. You could burn down the HQ of an oil company.

If you live in a country without the rule of Law, like Russia, where known killers and criminals hold positions of power, you could try your hand at assasinating one of them.

I said I wouldn't do drugs, not that I wouldn't do anything differently.