May be 200 btc would be enough to have good and luxurious life, as cannot predict the value of bitcoin, but its always better to hold extra buffer stock so even if the value is not too high, it can take care of us.
There are 25 Million bitcoins that will be mined. Hmm so 200 is just a dot for that many bitcoin. I will get the 500 Bitcoin cut if you dont mind.
Then I can retire someday with a big smile and a watermelon juice in a good sunrise in Hawaii. Your speculation of 200 or 500 might be sufficient for people living in less expensive or way low living standard countries.