The "20k LOC weekend" stories are selection bias. You hear about the ones that worked, not the hundreds that hit walls at hour 15 when the AI-generated architecture couldn't accommodate a requirement the person hadn't anticipated.
What vibe coding genuinely accelerates: the iteration cycle between "I think I want X" and "seeing X running." That's valuable for discovery - you learn what you actually need faster by building and discarding.
What it doesn't change: the hard part of software was never typing. It's figuring out what the system should actually do when edge case Y meets constraint Z. That work is invisible in LOC metrics but determines whether your product works in production.
The people succeeding with vibe-coded SaaS likely have deep domain knowledge (they know WHAT to build) or are building in well-trodden territory (auth + CRUD + payments - patterns the models have seen millions of times).
For your 60k LOC complex business logic case: the question isn't "should I vibe code more?" but "what's my verification strategy?" If you can specify behavior clearly enough to write tests, you can probably let AI write the implementation. If you can't specify behavior precisely, that's the bottleneck - and no amount of faster code generation helps.