Why not go out with a bang and spend your life savings on hookers and blow (or whatever decadent thing floats your boat)?

My point is that I suspect most of us wouldn't do anything differently, even if we know it's not our consciousness continuing on, because both scenarios are identical for all practical purposes.

You're right, nothing would change, and both scenarios do play out the same. The difference would be the knowing about it part. That's what changes things for me. If it currently happens that way I wouldn't be aware of it, but if I knew that it was going to happen, the act of knowing, makes it an issue, for me anyway, even if it still plays out the same as every other time.

You remember going to sleep last night. So even if you died and a copy of you was made, intuitively, subjectively, you feel that tomorrow is still you, same as yesterday was same you, even if there is some technical disconnect.

If it calms your dread, know that most people who died expectedly (long illness) want to die.

So you have no need to fear the inevitability of death, only fear the inevitability of the desire for death.

Finally, to cure the fear the inevitability of the desire for death, live your life so well that even if you die accidentally, it's worth it.

I doubt it. You’d maybe freak out about it for a week but eventually you’re going to come to terms with the fact that this weird setup has absolutely no effect on your actual experience.

Same for other contrived things like dying and getting revived every day, getting frozen and unfrozen every day, taking a teleport dematerializer every day for your commute, having a portion of your brain and organs randomly get swapped out ship of Theseus style, etc.

At some point you would just come to terms with the fact that your existence is really just that of being a mind with a past and present. The future doesn’t really matter.