^^^^^ this - anyone who has another pension or money coming from the government could be dinged. I will be getting a modified Reservist pension at age 60....however, I also have had a civilian career and paid into SS with both my civilian and military earnings. Even when I was shoveling all of my Reserve income into the TSP, the US Govt took the SS deduction beforehand.
It is easy for the government to just fiddle across the board with those already getting something from the government...however, I do also have other streams of income and if push came to shove, would be able to live fairly nicely without the SS. It's just the principle of it -paying into it (double as a self-employed person) and not receiving much for it.
To the OP, I model full SS amount, reduced amount, different ages (62, 67 and 70) in FireCalc...I'm over 100% on most of my scenarios...it's when I start using 6 figure constant dollar yearly lifestyle costs that my success percentage goes below 100% - just not by much.....
BTW - love that FireCalc app....very nice.... and more conservative than many of the other calcs. I like that as it makes me realize it has a built in buffer.