It may be that you can do better by using money skillfully outside RRSPs than within them, even taking into consideration the deferred tax. If the marginal benefit is greater outside, then work it outside. When you are at the point of utilizing RRSP savings, you convert them to a RRIF, basically an annuity. If you instead have wealth outside the RRSP envelope, you do what you want anyway you want.
Also there is the question of what lifestyle you will have at age 65, 70, 75... whatever. Older folks generally do not have the same consumption interests that people do in their 30s, 40s and 50s. Their needs are generally simpler, and they generally don't need $60k a year in income. In fact, if an older person owns their home, say a 2 BR condo apartment, and owns their car, without any debt at all, then usually a relatively modest income services quite well, along with little stashes for the odd cruise or annual trip to wherever. So, maybe thinking along those lines will provide a younger person with more financial liberty now without sacrificing a confortable retirement when older.
