> complacent ("smug satisfaction with oneself" - I disagree that complacency is intrinsically smug)

I agree that it doesn't seem 'smug', but weirdly both dictionary dot com and Wiktionary give 'smug' as a synonym or part of the definition.

But they also analyze 'smug' as equivalent to self-satisfied or self-complacent, so maybe that's the word whose meaning is not as expected.

(I would think of "smug" less as "self-" anything - it implies a relation, it's more like exulting in a superior situation one has over someone. And 'complacent' is at base being content with one's situation, but often with the negative implication that one should be acting to make things better instead)

In my mind "complacent" means the opposite of "pro-active" - not taking actions or decisions in the face of an issue. That could be because of feeling panicked or uncertain. So I was also surprised by the "smug" and "self-satisfied" parts.

I don’t get the smug. But complacent has always has the “self-satisfied” and “a bit lazy”. Not exactly what is in your comment, but someone that is rooted in his behavior, but not for stubbornness or arrogance, just “it is ok that way because I’m happy and there’s no reason to change”