I think this is true, but I draw a different conclusion: talking about industry-wide "Averages" is a complete waste of time. It's sort of like talking about "t

I think this is true, but I draw a different conclusion: talking about industry-wide "Averages" is a complete waste of time. It's sort of like talking about "the housing market" vs. the Houston market, Chicago market, SF market, etc. There is no "average experience" just like there's no "average housing market". That level of aggregation is just meaningless. It's much better to consider one's circumstances and think about people in your situation, their odds, vs. some meaningless aggregate.