I was happy with 85%, but I can tolerate a cut in my spending fairly easily also.
One thing I always think of is that I may not be so active after age 70 or so. I'm 59.5 now, so I've only got about 10.5 hopefully "good" years to do my active traveling and whatever. Delay just one more year at this point and there goes 10% of your best retirement years. You never know, it may turn out better or it may turn out worse. But those years become more valuable the older you get. It's a shame to waste them working if you don't have to.
One thing I always think of is that I may not be so active after age 70 or so. I'm 59.5 now, so I've only got about 10.5 hopefully "good" years to do my active traveling and whatever. Delay just one more year at this point and there goes 10% of your best retirement years. You never know, it may turn out better or it may turn out worse. But those years become more valuable the older you get. It's a shame to waste them working if you don't have to.