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Well, keep an eye out for tsunamis, cyclones and earthquakes.
Seriously, you sound pretty OK to me. I plan on a 4% withdrawal rate, which seems to be your assumption as well.
How much to keep in your local currency? No definitive answer to that, except that the fully-hedged, least risky position is to convert all your assets into the same currency as your liabilities (assuming all your liabilities are in one currency). My sister lives in Europe, but has kept her assets in the US. In the 10 or 12 years she has been there, the dollar has fallen a lot, like by half. Big ouch. Where will it go from here - who knows? but do you want to take that risk at all?
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