I agree with all your points. I'm not so far from age 62 when I could start reduced SS payments. I don't expect to retire so young, but I wonder if the current system will still exist by the time I reach 67 or 70 (God willing).There's the rub. Not that I know the right answer, but it is confounding. Emotionally and politically, raising retirement age is poisoning the water well. Mathematically, it is a necessity. SS Trust Fund is due to go bankrupt in 10 years or so (haven't checked lately). Life expectancies are dramatically longer than when SS was set up (even if we've had a recent small decline for white men). Populating the country with low/no-wage gimmigrants will accelerate deficits. Selfish me wants to keep SS age the same. Math me knows it isn't feasible, short of money printer go brrr, which is inflationary theft of its own. I welcome info that dissuades me, so please fire away.
Even if this election goes off, I'm having a hard time thinking it won't be the last election. If Trump wins, the left will go nuts. My 80+ yo parents have "friends" that have told them they don't think they could speak to someone that votes again for Trump, including my parents and these friends' own adult daughter. These are pre-WWII born folks that my father has known since middle school. They are unhinged. If Biden wins amid expected shenanigans, the right will be so disenchanted, who knows what will happen. Even if Rs do nothing, Biden's crew (not that he's really leading anything) will find a way to spike the country, they hate it so much. Maybe I'm too dramatic about it.
Even if the US hasn't broken up and the current government hasn't gone bankrupt and collapsed by the time I am 70, they could likely prohibit SS for white men who have even modest net worth as retirement savings.
As for the election this year, I think anything is possible, but a legitimate result with a peaceful outcome is unlikely.
I am assuming I will be on my own for retirement, and all my SS payments are a dead loss.