If you focus on smaller instances of redistributive policies without addressing that, you've done the equivalent of admitting a logical contradiction to your axioms and thus are able to come to some decidedly anti-individual-freedom conclusions. In this case, further turning the financial screws on the edges.
Those two are also not current or longstanding federal policy, which should making their prevention far easier than their repeal.
The point is that without actually doing the former, your point on the latter comes across as completely out of touch in isolation. Currently, the vast majority of people simply do not have the kind of wealth required to make a decision like you're advocating. As it stands, the financial treadmill is a fixed quantity - so in that context, what you're actually saying here is just that you don't want people to have the time to have kids, period.
> Those two are also not current or longstanding federal policy, which should making their prevention far easier than their repeal.
Yes, that is exactly the problem! When you push everywhere with a justification of individual freedom, the places you tend to make progress are where you're actually serving an agenda of entrenched centralized power. For example, look at this individual-liberty-appealing "fiscal responsibility" refrain of the past 30 years - it ended up facilitating all that newly-printed money to be given away to banks / asset holders, rather than say purposefully spent making sure our industrial base wasn't getting completely hollowed out. It was basically a kayfabe for looting, and not supporting individual freedom at all.
In a perfect world I would have preferred if that new money hadn't been printed in the first place, and that wealth had remained distributed throughout society rather than centrally collected and then centrally assigned. But that wasn't what was happening. So we have to be real about the actual results of the specific policies we're advocating for, lest we become patsies helping to destroy individual liberty.
I too hate the top-down prescriptivism of narrow "benefit" policies administered by employers. But until we fix the economy so most people have the market power to tell their employer they're taking 3-6+ months off for $whatever, have the savings to pay for it, and be confident that that either their employer will want them back at the end or that they will be able to find a different employer, then it's what we're stuck with. So if you really want to reform this, then work towards fixing wealth inequality.
(The healthcare thing is a politically radioactive topic. It would be fantastic to prevent employers anticompetitively bundling healthcare with employment, but it would take a lot of political capital to rise above fearmongering to people with "good" employer plans and the desire of politicians to lean on the current system out of expedience)