You'd still get the same benefits you expect, just maybe a few years later.
Again, the choice is that, or nothing, IMO. Or we could have hyper inflation, and SS can pay you your X grand a month but it will be worth $100.
As you can see, it's a ponzi scheme that requires the worker population to increase because everyone gets more out than they put in (the "rich" only because of medicare).
Total lifetime payments is hard to ballpark since there are no calculators set up for it. You can't just do 15.3% times incomes, since the cap in earlier years was VERY low (~10k) and is now over 100 grand. At some middle income someone would likely paid in 150 grand perhaps?
I'm all for allowing people going forward to not pay in, but I think the retirement age needs to increase since the worker population is actually shrinking.