I know this "Heard" person very well. They are usually misinformed. This is another example. What....IS....true is that when income is clearly sufficient, there is no need to complete the asset section or document your assets. However, when income is marginal as yours is, then it definitely DOES help to state and document liquid assets, like savings or investment accounts. Consular Officers are trained to consider "the totality of circumstances" in making the public charge decision.
As an example, millionaires with no income have sponsored immigrants. Sure, they get a notice suggesting they.....MAY....want to get a joint sponsor, BUT when they clearly qualify, I advise them to ignore that message. It happens every time the last year's tax return doesn't show qualifying income, NO MATTER how many assets, or how much CURRENT INCOME from a NEW JOB is stated.
You won't get such a notice as your income is more than the minimum. State and document your liquid assets.