How do I pick benefits that fit my real life?

You already do this well. Each year you choose your benefits on purpose, matching the coverage to the life you are actually living. That is a quiet kind of wisdom most people never reach, and it is worth recognizing in yourself instead of taking it for granted. The reason it works is that you start from your real life, not from the brochure. You know what your year is likely to hold and you choose accordingly. The only thing to watch is that your life keeps changing, and last year's right answer can quietly become this year's wrong one. What fit you then may not fit you now. So each enrollment, before you decide, take a moment to ask what is different this year, a new medication, a change at home, a plan to start a family. Let the answer guide you. You have the habit already. Just keep pointing it at the life in front of you, not the one behind you.