The purgatory is a perfectly self-contained 10-acre plot of land that you create limited mostly by your imagination, but you’re cut off from the world and other people.
The internet connection is stable, but you lack a physical body and cannot upgrade the machine hosting you - your hardware will become out of date fairly quickly.
…your purgatory sounds like a dream sabbatical to me: 100% down for option A, finally an opportunity to do what i want with my life rather than renting it out to FIRE lords for bare survival…