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I'm not commenting here on the study referenced above, but on the question you pose with your thread title, Nords.
The SWR is too safe for some and not safe enough for others. SWR analysis calls for one optimistic assumption (that stocks will perform in the future no worse than they have performed in the past) and one pessimistic assumption (that a worst-case returns sequence will happen to pop up in your retirement). I think that it is perfectly reasonable for optimists to use a personal withdrawal rate (PWR) a bit higher than the SWR and for pessimists to use a PWR a bit lower than the SWR.
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