I think you summed it up nicely. It's an evolutionary thing- if most members of a species were pretty much indifferent to death, how long do you think that species would last? Then there's the obvious pain aspect, which is especially a factor in today's world where fascists and religious whackjobs run the show and dying with dignity at a time of one's own choosing is basically outlawed (I've heard plentiful stories of suicidal people ending up tossed out to basically die in the cold, instead of the warm places where they could have done it in the first place but failed or got caught).
For me it's mostly about the pain factor (most of the easy ways to die are strictly controlled, and many other "easy" ways aren't nearly so easy as advertised by people who wouldn't be advertising them if they themselves had actually managed to successfully employ them). Also I wouldn't want a sociopathic doctor to lock me up somewhere for trying anything, and I personally still care enough about the well-being of my friends and family to stick around for their sakes, even though I think they've got some pretty nutty delusions about the importance of life in the big scheme.
For me it's mostly about the pain factor (most of the easy ways to die are strictly controlled, and many other "easy" ways aren't nearly so easy as advertised by people who wouldn't be advertising them if they themselves had actually managed to successfully employ them). Also I wouldn't want a sociopathic doctor to lock me up somewhere for trying anything, and I personally still care enough about the well-being of my friends and family to stick around for their sakes, even though I think they've got some pretty nutty delusions about the importance of life in the big scheme.