You have some very good points.
I do stay on top of the repayment schedules.
After decades of being (what I used to think of as) Artful Dodger, I realize it’s best just to make a payback arrangement and stick to it. I stopped trying to run away from the lingering debts. Too stressful.
At some point, the irs can’t come after you for past taxes.
After 16 years, I’m still waiting for the IRS to get back to me with answers to a few rather basic questions. Based on the nature of the questions, I don’t ever expect them to contact me in the next 20 years.