First question: I think OAG has nailed it - - 13.26 years. What my answer is based on? It's a SWAG based mainly on a lifelong history of bad luck.
Second question: I am retiring in November, and so right now I am following my financial plan (devised in 2007) almost completely. The one difference is that I do have more money than planned in treasury MM (some of this money is destined for bond funds and/or CD's at some point but I haven't done it yet). I don't have separate pre-retirement and post-retirement financial plans at this point, because I am so close to ER.
So what am I buying these days?
Savings from my salary are now going to my bank accounts and staying there. I do not count these bank accounts as part of my AA since they are earmarked for moving, possibly a new car, some new furniture, and similar one-time expenses during my first year of ER. Once I have sold my house, bought another house up there, and moved and settled, I will upload any excess to invest.
Since the September/October crash I have rebalanced by buying equity index funds (VTSAX, VFWIX), Wellesley (VWIAX), and the TSP treasury bond fund (G Fund). I am maxing out my TSP, and buying equity funds and Wellesley as needed to get the percentages called for in my financial plan.
Buying equity funds was hard to do when they seemed to be nearly in freefall, but I DCA'd a little and eventually got the percentages I needed. Buying Wellesley was easy to do since I love the dividends.
Later this year I will be maxing out my tiny Roth which is my "play investing" account, where I do what I want to. I'll probably put this year's $6K into a small business index fund. My Roth is performing abysmally (lost 49% of the $16K invested so far) so I would recommend that you avoid doing that.