The Money Sense e-book associated with the cut/paste above is or at least was, available for free on ibooks. At any rate, I think it's totally possible to live on govt pensions alone IF your retirement budget allows for it.
Figure out what you will need to spend each month, then annually. Once you have your budget figured out, determine whether or not, the govt pensions are enough. If they are not, then you will need to supplement with some form of savings. I am working towards retirement at ages 50-52 depending on the performance of my portfolio. We live frugally now and plan to continue. We are also travelling now so that we won't feel compelled to catch up on this during retirement. I am not planning an extravagant retirement. We will be selling our home and downsizing into a rental, where our monthly costs will have less variation.
Ultimately this is a very personal situation. The conventional wisdom around needing a fixed amount of savings or a defined benefit pension plan has been largely debunked. What you do need to do is plan well and make educated decisions.