Avira, thanks for acknowledging that Chareidi lifestyle is an emergency decree, and it produced measurable results in terms of dedication to Torah and cohesive communities. And I understand your feeling that the dangers are higher and higher.
There is a reason that this is a emergency decree, so Torah/Chachamim would not want us to live like that under normal conditions. So, the next question is to ask honestly – what are the downsides and how can we mitigate them without losing the positive sides. And situation is different: we are 200+ years into modernity, 100 years in USA and Israel, we have more tools to deal with it than 100 years ago.