I do not really believe that there is such a thing as a "fate worse than death"
What about unimaginable suffering before one's certain death? Would this not qualify as a worse fate than death?
I don't really have a strong opinion on this topic, but one example comes to mind that shows that many people don't act according to your maxime. Have you ever seen those battlefield suicides that are filmed by the drones in Ukraine? I'm not going to link them here, but they are plentyful. So, so many soldiers, many of them wounded, decide to take their own life to avoid going through an experience that they probably view as worse than death. I just think it's interesting and worth considering.
I think I understand your position.
In a previous post, you seem to give value to functioning as opposed to being dead. Why is that? Why does functioning even matter if your position seems to be that death is the absolute worst thing that can happen to someone?
A person can lose all brain functions and remain alive, implying that there is no chance of making new experiences of any kind. Does that count for you as functional?