The CBP option seems too advantageous on the whole to let it push out to 2026 IMO. Mostly because most of us are probably trying to maximize those savings in the first place. For the sky is falling crowd, this puts you in conservative funds until the world's economies inevitably collapse at which point you can take that protected cash and push it into your PRAP to buy NVDA or dinars if that's your thing for $1 a pop.