This thread illustrates an often overlooked point about SS, even by the clever members of this board.
Your spouse can't take it with him/her if he/she decides you aren't his/her Cutie Pie after all!
401Ks, corporate DB palns, military, or school teacher retirement annuities- all subject to cleavage, and I do mean that. My brother is a retired teacher, lives high on the hog. He has a buddy, same age, same teaching history, but twice divorced. He scrounges for part time work. First divorce- there went half his pension, second divorce, Oh-Oh, halved again. Think what will happen to this poor idiot if he marries again!
So married people, consider this- this is one you can keep! Go for the max in SS. Although you may not trust your government, when compared to trusting your spouse it might be best to stick with Uncle.