My goal is to be debt free except for the mortgage and then to never borrow again. At that point, I wouldn’t care if my credit score was zero.
Debt freedom is my goal as well. I racked up a lot of credit card debt when I was in nursing school and my mother got knocked down with cancer. I couldn’t pay for gas and food and pay my bills at the same time and take care of my mother.
The lowest score for a live body I think is 500. If you want to refi, your score will be critical, and of course there are other rates and employers, etc, where your score can come into play.
I look at your strategy as similar to "living off the grid" as far as the main milieu of the economic world. And I admire that, I did it myself for 20 years. It began to make things much more difficult for me and so I worked to increase my score. It's where it needs to be now to make life easier and more enjoyable for me.
But... that's me. It's a lot of other people too, particularly young families. I still think living off the grid is a great way to go, so long as it suits you in the future. I think it's great and I wish you the best.