Make the tradeoff based on what return you think you can get on those funds versus the guaranteed 8% simple each year you defer. You can look at your "break-even" point, too, based on how long you think you'll live. You know all about that stuff, though. The other thing is, if you aren't going to work, then you need to subtract out what you need to live on - and that amount won't earn anything towards your retirement for the rest of your life. It'll be gone. I put all the variables that were relevant to me in a spreadsheet so I could play "what if" games with PV and FV, etc.
This tax change isn't going to figure in on my decision since I won't be taking SS early. YMMV.
(pretty sure I didn't say a thing you didn't already know!)
Looks like ScottS has found himself a new username.
At 23 plonks he was probably lonely, no one responding to his inanity. What's a sockpuppet to do?