I think your reason #2 was the best one I could come up with since it's the only thing that ever got me motivated.
I'm in what's arguably a pretty math-heavy profession but I don't use much more than basic arithmetic. Very occasionally (like, once a year) I'll need some geometry but that's not really algebra-based. We had to take a semester of calc and a semester of physics for architecture but that was the extent of my college math. I think I used IB scores to get out of calc. I did enjoy stats, though.
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