RE:To sum upFully understand your logic NF, you can use RRSP's to your advantage. That was pretty much
the only option of retirement savings in the day if you did not have a company pension.
I too have taken money out at a much lower tax rate than I put it in at. Some people however just keep socking away as much as they can and have no real plan when they retire and are in a higher tax bracket than when they put it in. They were still able to take advantage of the $$ they did not pay the government at the time and if invested smartly they would still benefit, just as your models show.
This is not simple stuff for those that have not lived it and taken the interest to really understand all the moving parts.
Your kind of like a dog with a bone though once you grab onto it........lol. g