One thing to keep in mind , for those of us that don't have retirement health care coverage from employer is the monthly cost of health care . My wife and I shopped around the best we could and ended up with medical/dental/vision for $1080.00 per month ! And that's with a $5,000.00 deductible . We have used it a couple of times and it stinks for coverage but I guess it is what it is until we are old enough for Medicare and a supplemental . We DID figure this into our retirement so it is not a surprise but it will probably only keep going up . I have no faith with the current administration that it's going to get better soon
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So your calculations are trying to hit a running target...... how long will you live ? How much is healthcare going to cost ? Are you going to stay healthy ? Will you be hit with something catastrophic ? You plan for the worst and hope for the best
Good luck to all on this decision .