If my company weren't offering 10% matching on my 401k, I wouldn't be using a 401k. That shit is a scam. And by the time I have to retire, I'm going to need almost $10 million to live the extra years that medicine will allow me to live.
I don't know where the fuck $10 million is going to come from. My best hope is to have a house paid off by then so that I don't have a mortgage when I'm 80.
Unless you think you need $200k/year to survive or you plan to retire in like 90 years, $10million seems like a pretty high estimate. Also, how long you live shouldn't really be relevant.