Social security return is not calculated as pay $64 per month, get $200 per month and that is a good deal.
Think about Max out ppl with $118000 salary, you pay $640 per month. Get $2600 per month. Is this a good deal?
Besides, you are not going to get help from super rich since SS Max out at $118000.
You need calculate your total input, Use life expectancy calculate your total return then figure out if it is a good deal