The benefits are not that reduced at 55 for us "B" scalers.
It is easy to bitch about age 60 when you are in your 20s/30s. But when you get to 50+ as a "B" scaler it becomes a no brainer. Not enough to retire on = stay on!
The benifits for the younger guys come (rapidly!) with age. As soon as you get to the LHS you WILL change your mind. Unless, of course you have won the lottery!