Your list is good and I will say there are endless reasons or situations that will warrant you to sell your coin especially when it becomes your last resort for finance. I might consider selling if I need urgent finance and is the only one accessible by that time.
That is the reason why we are doing investment in the first place in order to solve the future problem. Health issues still remain the top priority that will warrant me selling some portion of my Bitcoin regardless. Other issues might seems minor to me and I will look for another alternative to get those issues solved.
As long you do still have other ways or options for you to solve out those minor problems without the need on spending or selling out your Bitcoins then you must do on that way but if you dont have any options
or ways for you to resolve out such problem then its not bad to sell a part of those yet these are the things which do savings do play on these kind of part or situation. This is why as early as we could or
on the time that we arent still experiencing hardships then it would be always ideal that you should consider on having investment and savings at the same time.
We dont know on what comes up next because there are lots of things that would be encounter ahead.