Woops,
Few of the other ex-pats in Dubai throw over $4,000 away each month to stay in the company's free cell, sorry house! Goodness 50k, that is more than the average salary in the US and UK.
I know just one thing, without getting into the market and accessing the extra cash I have zero chance of retiring well. With it I might! The fees you describe are valid but don't add up to anywhere near what you say.
But I won't convince you so won't bother. Enjoy Meydan, life without parole!