Yeah, ideally would have lampshaded this more. My bad.
The part that gets extra complex is that I personally think ~2/3+ of people who say totalization is fine for them are in fact wrong and are missing out on tons of subtle things that you don’t notice until longer-term. But obviously the mostly likely thing is that I’m wrong about this. Hard to tell either way. I’d like to point this out more somehow so I can find out, but I’d sort of hoped my original comment would make things click for people without further time. I suppose I’ll have to think about how to broach this further.
Yeah, ideally would have lampshaded this more. My bad.
The part that gets extra complex is that I personally think ~2/3+ of people who say totalization is fine for them are in fact wrong and are missing out on tons of subtle things that you don’t notice until longer-term. But obviously the mostly likely thing is that I’m wrong about this. Hard to tell either way. I’d like to point this out more somehow so I can find out, but I’d sort of hoped my original comment would make things click for people without further time. I suppose I’ll have to think about how to broach this further.