That is what most people don't get. You work for your retirement, not only your salary. Delayed gratification is hard, but it pays off.
I would not count on only one pension because anything can happen to the fund over a long period of time. I am working on a strategy for myself and additional income that can help me in the future and I do not have to have only one source. The earlier many people understand this, the more likely they are to have at least some savings in old age.
If you can afford then its good since the more the better but mostly I've known like in government they only have paying one insurance for their pension in the future as it is already enough for them because for sure you'll already settle that time , your children is hoping helping you so it is better to like invest it into something like business or land or properties so that you can give it to you children and they can use it in all of your generations.