While I understand why people want to park money in an HSA I think it also ignores the reality of healthcare costs in the US. A single moderate or major healthcare emergency is going to wipeout your HSA and leave you on the hook for potentially thousands or tens of thousands in healthcare expenses.

You have to use your best judgement and decide if the tax advantage of an HSA is worth it versus the potential out of pocket expenses you may pay from either regular care or a more substantial healthcare event. It sounds like in your case you may not contribute enough to the HSA to make the delta between your contributions and out of pocket costs a wash and you would actually be paying more.