In this condition, Nusajaya is only good for retirees.
Your post made me think a bit. Can I also add for the financial minimalists as I am too =) JB suits me perfect, of cos it helps me to save and the quality of life is improved. but to make the most out of it, one just have to find arrangements like the retirees. Going to sg on my own terms and timing always outside peak hours or against the direction of heavy traffic (except for the rare occasion where off peak also jam thankfully the alternative 2nd link is ok in such situations). Which means identifying a job that allows you to creatively play with your time. Otherwise in situations like you mentioned would only bring more stress into life.
I also think retirement should be spread around our lives rather than concentrated in 1 block right at the end. I would imagine myself being bored to death and getting senile as soon as my work ends for good. And we will not be physically equipped to enjoy what hardwork has afforded us then.
As for children, Hangyong you mentioned about creating stress for them if they commute, well some see it as character molding but I say alternatives could be had to. Marlborough is coming up soon and with it I suspect a whole plethora of international schools in the niche developments. This in collaboration with Universities setting up shop could well mean your child would never need to go back to sg!
A lot of people think SG offers a good education. But there are much demerits to the system based on merits as some of you have rightly pointed out. One of which is extreme detest of academic work plus the dragging of feet to go to school stealing every last interest to study. This is where the foreign brand of education may work as I myself have realized when I left the shores in pursuit of a university education previously. i never knew class could be so fun and exciting even at higher tertiary level!
So in conclusion, take charge of your life and find clever elegant alternatives. Don't be bound by rules and regulations. Form your own rule and get the best out of living in JB =)