"the time I would have to spend with the IRS on a challenge. "
you can't challenge the IRS finding if you filed 1040 with 6b = zero.
The fact is TurboTax erroneously put zero instead of non-zero.
the amount should be 85% of your benefit assuming no offsets.
for your 2022 tax return, don't elect LSE if you see 6b is zero.
(I'm not sure how you do this in TurboTax, I don't have that software)
In 2022 Form 1040 there is now an LSE checkbox instead of an annotation.
@Altoss
