So you have $6,000 monthly of very secure government provided money. You have still not provided any basis or logic to explain why you chose not to spend the principal.
What would I spend it on? Adding in the interest I would take from my retirement fund to my monthly income, my wife and I can live very comfortably without touching the principal. Can I touch it or should I touch it? Sure, why not? Do I need to touch it? No.
Because that principle needs to be intact at your death so the state and it’s remoras can feed on the carcass.