BS,
Yep, I'd agree with all that. Sounds like we're saying pretty much the same thing.
The only thing is, people differ as to how much living versus planning they think is sensible. Many people think I overdo the living bit; me, I think I'm pretty cautious actually. Like I said, there are no rules; everyone has to work it out for themselves...hmm, I think I'm starting to repeat myself here.
