Yes.
You are far better to take the lump sum, set yourself up in a nice homestead, that you can protect, then live the simple life.
At least, that’s my plan.
No sports cars, cheap babes, or booze.
Hopefully, no headaches.
I with you, excect for the no cheap babes part. ;D
To paraphrase a "Hee Haw" cornfield skit...'you may not live to 100, but it'll sure feel that way.'