I agree with you to a certain point, and you eluded to it already, age....
If you are young, with years of work ahead of you, then I agree with your assessment.
I only brought it up, about putting more in, was because of the ability to skirt financial liability, during those working years, if you fall upon lean times and can not meet your obligations....WHICH, you should have already factored in BEFORE exposing yourself to such risk.....
Yes, you need some assets that are readily liquidated and readily accessible WITHOUT penalties.
But lets be honest, everyone of us has risk beyond our control, its not just about bad planing, or failure to invest a certain way.
AND......as a youngster, you lock it away, you can remove the temptations that go along with buying whims