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It's income rather than assets, so if you fall into debt due to medical issues or whatever you can declare bankruptcy and still have your pension.
401Ks are protected from bankruptcy
I genuinely did not know that.
Finances b crazy
On that note, it makes a ton of sense to take full advantage of 401k plans. At least put it enough for the company match to max out, and preferably put more in to cap out the annual limit for it. That isn't possible for everyone, but it's both tax advantaged and pre-tax money, so an extra $500/mo into the 401k is NOT $500 removed from your post-tax pay.