Depending on how far you get, it can be. My retirement without disability will be approximately 50k a year. That, plus disability in a LCOL area is enough. Retirees also get COL adjustments annually.
Current plan for me is to retire, attend law school, and work as a public defender to put my money where my mouth is as a filthy lefty, but the work is because I want to, not because I have to based on where I'm planning on retiring.