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SilasBarta comments on Why is it rational to invest in retirement? I don't get it. - Less Wrong Discussion
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Personally, I'm worried about becoming unemployable. I'm especially worried about new technology replacing human labor. The best insurance against my labor being devalued is lots of capital.
Agreed, but the options listed, sadly, don't help you there. If you use a tax advantaged savings vehicle, it's much harder to actually use the money before retirement. At best you can borrow from it (which i ended up doing as a buffer when switching careers) or take the withdraw penalty, which eliminates a large portion of the savings.
So I'd agree with keeping savings as a hedge against unemoyability, but against usIng the 401k etc methods the OP listed if that is your goal.