Insomnia mode is hardmode. It looks good on the surface and has a few niche builds, but it comes with pretty severe stat penalties overall especially the sanity reduction.
Honestly? Didn't think that far ahead. Could be growing up twice as fast, but you might not want that. Could be learning things, in which case yay, but underwhelming. Could also be job/life experience, learning important lessons early to prevent making stupid mistakes?