Take the advise
It's free, I put off visiting for years and finally started about 3 years ago. In fact I go 3 or 4 times and I am not charged for the extra visits. My fund has passed 7 figures including the C fund. As I'm leaving the pit this year I checked the gratuity calculator on HR direct and I'm 50 % over in my A fund. The only regret is that I didn't avail of the C fund earlier. I suggest that when you get used to living off of a certain amount any extra funds such as steps and raises (yes wishful thinking) or upgrade; you put that in C where it becomes untouchable and compounds.