Wife and I have around 180k invested. Scared of buying a house in Germany. Are we insane?

Hello EU personal finance! Me and wife are both mid thirties in Berlin, Germany, no kids. Jointly, we've invested about 180k into mostly ETFs (FTSE All world) and very little in crypto (like under 3%). I make around 6500 net/month, my wife makes 3000 net/month. We currently rent a place for 1900/month. Having saved up this amount, for us, it gives us a sense of security and peace of mind. We also treat it like an emergency fund, if some big expense comes up that we didn't plan for, we can ultima