sure you can learn at home but you definitely can't spend 3 months in new york at home (if you live in denmark)
being out of the house is the only way to find the next cool opportunity and who knows where it will take you. If the money isn't a problem and you want to travel, then why not?
if i was going, i'd be looking for a way to recoup that money, like you did with the didge. Fortune favours the brave, so they say