Dory, I know you're retired, but have you looked at this poll on withdrawal strategies used by ERs?
Interested in modeling any of these?
The big one seems to be capping expenses by roughly 4% of current nest egg.
You sort of do this as part of the 95% rule, but it's coupled to some funky "success" test that can't be uncoupled as far as I can tell.
BTW, I heard a great description of using 4% of current nest egg until you hit a bad stretch and then switching to inflation-adjusted withdrawals: "hunting for the failure sequence."
Also, what exactly do you do with the inflation rate/data? Is it only used to adjust the annual withdrawal or does it have some other impact?