Understand your point.
I guess I feel that I like to use some historical reference point along with some Monte Carlo simulators as a base reference point.
The flip side is how would anyone who doesn't have their SS and Pensions cover all their expenses ever be comfortable in retiring?
I like everyone else has to use history to form a guess on what stocks are likely to do.I just do not put much faith in the accuracy going forward.When I see comments like stocks very conservatively will give you 7 pct like it is a given,I am not just buying it.I just think if someone retires early based on that they may really regret it,especially if they experience a severe sequence of returns downturn.
I really believe in the cover everything with safe investments and then do whatever you want with the rest.