I dont think that UBI could or would ever be implemented in a tax neutral way, so that is a pretty huge difference right there.

>I'm not really sure how to answer the retirement question because under this system I can't "just retire" because my lifestyle wouldn't permit it.

another way to frame this is how much (if any) of your income would you be willing to give up if it meant 0 work hours. Would you take a 10k pay cut? 50k? or are you completely inflexible when it comes to lifestyle spending, or alternatively, do you like your job enough that you would do it for free.