I think that regarding work it is far better to do what you like in order to be happy - If you have that chance.
35% or 40% for healthcare and pension, is more or less the same... I think I would make the same choice like you..
The point is not to need the healthcare system. Once you need it, you have to be resilient and try to get the max out of it... like you say. there are no words to describe the situation...