Plus health insurance like Cigna for $100-200 unless you want to pay $10,000-20,000 in vinmec if you crash on a motorbike or get other serious sickness.
Plus border runs like $200-300 three times a year or often for cheaper depend on your paasport.
Problem that I doubt its how average SWE on HN imagine "comfortable" living.
Then if you have a partner who is not remote worker and kids there will be other surpeises for you.