How dreadful that Picard might believe that he could never accept a life that he would find significantly less fulfilling than the one he'd had.
It is, considering that the only limitations on it are ones that Picard had placed on it himself, which in an instant could be discarded in lieu of living out his life however he chose, including how he currently lives the one he's presently inhabiting. The world of Lt Picard is one of his own device, just as the one of Capt. Picard. It's not a case of something like an unwanted pregnancy derailing it. He made choices in both iterations, & he can still make choices that course correct it any way he chooses
And if his decision was guided more by an instinctual reaction than by experience, he'd hardly be the first person guilty of making a potentially dubious decision without waiting to see how things might play out first.
But that's not the Picard we know. Only a few episodes earlier, he gets thrust into a little boy's body, & is fully willing to at least contemplate the possible avenues of his future, and before you say, well he'd still have a whole life ahead of him to shape that life, I'd say to you that the age he is now is only halfway through his potential life
It's not so much that he chose the way he did that really bugs me, though I might have chosen differently, being who I am. It's that he gave no mindful thought to it whatsoever, not even so much as he'd had in Rascals. I've come to expect more from the intellectual, philosophical, "Renaissance" captain than that, the one who'd never shy away from re-evaluating his convictions. I'm certain the events of The Inner Light left him with all sorts of things to reevaluate about his life, but in this situation, that kind of humility is absent.
Hell, after the Borg assimilation, he was even considering some deep sea project back on Earth, but here, on his death bed? Nothing. Gimme the me I was or gimme nothing. End of deliberation, period. That's what bugs me. It makes him seem like he's stuffed full of hubris when it comes to his "Captain Picard" life, when we know that hasn't been the case, or that he thinks Q is pulling his leg, & I'm not sure he is. It really was just an error in the writing. Had they included 1 scene, where he thinks that maybe it wouldn't be so bad being Lt. Picard, even after seeing the whole thing for what it is, I'd probably have none of this to say