Scenario 1: Your path to retirement is wide, gently sloped, paved with good intentions and free of potholes--including market declines, job loss and health problems.See Also: SLIDE SHOW: 5 Costly Retirement SurprisesScenario 2: Your path to retirement is steep, littered with obstacles and fraught with perils, including procrastination and the temptation to raid your accounts to finance other press