The two times I listened to "experts" as far as investing, those investments lost money, so I don't put much stock (pun intended) into what they say. Like you, I'm blessed to have a pension and rarely tap my investments. I'm finally starting to read articles (by or featuring financial planners) that admit everyone will not need that 1 million. Setting that as the default goal for everyone to achieve can act as discouragement for those who know it's not achievable. These Gen-X'ers and Millenials have a lot on their financial plates, even those who work hard and long. The "must have a million plus" planners need a reality check. Many Americans can't manage to save enough of an emergency fund, let alone a million dollars.
I've read articles in Money magazine about people who were living well off half their salaries in retirement. That was me when I first retired since I did so 11 years before I was eligible for social security. But my housing and personal expenses have always been much lower than average for this area. Now my income is 81% of what I made when I was working. I know the recommendation use to be for it to be at least 80%. But it's all according to income vs expenses, what lifestyle one chooses and whether or not one is living within means. I'm managing to live the lifestyle I want while living within my means. Took 9 or 10 weeks vacation this year. Having good health insurance, as I'm blessed with, is certainly a plus as well.
