You have a LOT more faith in future potential pensions that a LOT of people have. Very solvent companies around here, as well as municipal employers, have changed or even removed pensions as an option…and yes…this includes for current employees.
You really have NO idea what your pension will be until you actually get it. It COULD change. So add that to your excel sheet.
Same with health insurance costs. You could find yourself picking up a larger portion of your premiums…or even all of them. Add that to your excel sheet.