I too have spreadsheets I put together at the beginning of the E-ER experiment. I haven't touched them in a long time.
I used 3% inflation, and 2% inflation for SS benefits, and 6% nominal
return for the total portfolio. I could use a fixed return across all years, or do it year by year. When I started, deep in bear market, I was putting in negative returns for years out! It has all improved greatly since those dark days! But also as the years have gone by, the expected years to cover have also decreased... funny how that works
Not everyone has enough resources to make the concept of spreadsheets and worrying about it a don't-care (I think I just did a double-negative there). However, I believe barring some major calamity either world or personal, I'm good now, and have joined the "I've got it covered" group.
those are the Two fools dancing on the hands of time