Don't think much about it and, frankly never planned for it.
This.
We planned our retirement based upon not getting it.
If we do, it's just gravy.
I did too, but then things started hitting from all sides in 2007 and have continued to some degree or another. Without SS I'd be up a schidt creek now.
Seems I kinda remember hearing way back in the olden days, that's kinda why SS got started.
The desert is a true treasure for him who seeks refuge from men and the evil of men. In it is contentment In it is death and all you seek (Quoted from "The Bleeding of the Stone" Ibrahim Al-Koni)