When I do the math, I do not consider my primary residence to be of any numerical value since I do not want to live anywhere else. And even if I did want to live somewhere else, I would have to account for the costs of acquiring a new similar residence, which in a similarly desirable area would have risen just the same in price.

And assuming I needed to live somewhere else, it would likely be because something undesirable has happened to the whole area, so the price at that point would be much lower than whatever it is at times before then.