I'm glad other people are finding this discussion as helpful as I am finding it.
It's looking like a popular approach to delay any distributions til age 55 or so--laurie6781's parents, AndreaB, and Sunshine2.
So what exactly happens in this scenario at age 55? Periodic distributions without restrictions from that point until the beneficiary's death and then remaining trust assets to a contingent beneficiary?
Off-topic here--thank you laurie6781 and other long-recovered members for continuing to hang around and post here. You are living proof that real recovery is possible and that maybe my AS will eventually find recovery, too.