Could be,
I fully understand where you are coming from and even speaking to the occasionally helpful peeps in Glasgow will not help. I can only speak from my own experience, but I am actually getting a bit more than the on-line tool predicted although sadly not enough for that new Aston Martin I've had my eye on
I'm fully aware that everyone will be different, but the only way you will actually know is to go for it. You could also try the AFPS as they offer impartial advice that is well worth the £30 per year membership fee
