I like the analogy. I wouldn't "go over" in that situation, because I personally see virtually no difference between that and diving.
Interestingly though, I don't feel like I'm screwing myself as you suggested in your penultimate paragraph. By having a decent chunk of savings in place and a half-decent pair of careers partially developed Mrs Tree and I possibly won't be eligible for the full range of welfare state benefits that other parents can access. But we don't WANT to be in the financial position that would see us meet the access criteria because we believe our children and ourselves will have a better life doing it the way we have budgeted.