Your point while succinct does capture a deep truth.
Some, at them point of suicide, discover that they are set free from the pressures and fears that contributed to driving them to the point of desperation. Without actually committing suicide,they can have an improved circumstance just from disconnection.
The Buddhists strive for Nirvana, the extinguishing of desire. The Christians are supposed to transcend from selfishness to selflessness. Both religions suffer from substituting ritual for reality.
Fear can hide in anxiety and apprehension. Some try to fight back with self-harm or other exercise of control. Thoughts of suicide are like telling fear that it just doesn't matter. One might say that fear is when things matter too much and suicide can be when things don't matter enough or to escape when they matter too much..
Somethings matter over which we have no control like what time the sun comes up. We have to accept these things. We can make things matter like if a particular person likes us. However, if we have no control, we may make ourselves subject to fear. Most of life is defined by what matters to us and what control we have. Navigating these waters can be difficult.
The Serenity Prayer (used by AA)
God, grant me the serenity
to accept the things I cannot change
the courage to change the things I can
and the wisdom to know the difference.