I appreciate your insightful and in-depth comments.

Overall, I think the decision one makes about when to take SS becomes more of an emotional decision than a financial one.

My goal, overall, is to not work as soon as possible. To get out.

Everyone is different and unique in their needs, wants, and actual options.

Nothing is guaranteed in life, accept death and taxes (thank you Ben Franklin).

There is no guarantee we're gonna live to the breakeven point.

There is no guarantee that SS, in its current form, will be there at 70.

Pick your poison :)

Ideally, have no regrets in the end.

Again, thank you for taking the time to truly read my post.