Do you wear a long-sleeve shirt? I used to have this problem when I wore t-shirts and worked in an air-conditioned office. Now I wear a long-sleeve button-down shirt with an undershirt and I feel much more comfortable every day.
In my experience, all of these are great except the last one. I used to rest my wrists and now I can't because my RSI progressed. I wish someone had told me 10 years ago to keep my wrists straight when I type.
I use an angled keyboard and a vertical mouse to reduce twisting.
You don't get the interest compounded though, this isn't a bank account, it's payment on a bond. You'd have to find other south sea bubble bond holders to sell you their bonds (which would only be done in whole units, you wouldn't be able to dribble in your 4% every year) to get the compound effect.
Basically you look at the interest paid over the whole issue yearly and linear sum it, not apply a compound interest calculation.