Your right, and there will probably be a lot on here who were brought up and worked in less affluent times who find it hard to spend money and probably have too many assets - thus paying 40% IHT when they peg it.
This will only increase in the future with pensions becoming taxable for IHT post 2027.
So spend it or lose it if your estate (assuming you are married and own an house) will be a £million+ (second death of you or spouse)
You know it makes sense! 
