I look at it like I look at a blackjack table. If the table pays 3-2 for blackjacks and has other liberal rules like on doubling down, I'll probably play. But if blackjack pays 6-5 I know the house edge gets too big and I go elsewhere.
I'm no expert in retirement strategies but I suppose those who don't like annuities just want to move onto another blackjack table where the odds are better.
Good luck, and let us know how it goes for you!
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