Examine the comparative net to estate graphs again. What happens if we die in five years and had chosen to adopt an RRSP sheltering strategy. It appears our estate will be disadvantaged to the tune of $20k.... inheriting $165K instead of $185K.
Now look at what happens at the other end of the life sweepstakes spectrum.... If we had made it to age 95, our estate would net $80K under the shelter option and zero under the melt option.