Wow.
I'm less confident than you even tho we have a semi socialist system where I live in Canada.
If anything I've learned is benefits can be cut or rolled back anytime - especially if a new administration comes in.
Nothing is guaranteed even if the guv says it is.
Given the unstable economic situation everywhere these days I reckon a person should have at least 10 years of savings socked away for emergencies.
But as they say, each according to his own
@The Question
You know your situation better n I do.