I agree that you're doing good as a productive member of society.

I don't think that anybody who works should feel guilted into giving money to charity either. If giving to charity makes your life worse then you should not give to charity.

The point in my post is that people (including myself) may be systematically deluded into believing that they'd experience a drop in life satisfaction if they gave more of their income to charity when they would really experience a gain in life satisfaction.

As I indicated, I think that it's worth it to try out giving for a year. If it makes you less happy then you can simply resolve never to do it again. If it makes you more happy then you can do it over and over again for the rest of your life. If 5% of your income seems like a lot and you're presently not donating at all, you could experiment with donating 1% of your income.