For those retiring before SS and pensions start, like OP and me, I think that our "ultimate" WR is most relevant. Our WR is high from when we ERed until our FRA when my pension and our SS is on line.
For example, if I retired today our WR would be 4.9% (annual spending divided by current retirement nestegg). However, if I reduce our nestegg for an amount equal to our annual SS and pension for 6 years (from now to FRA) and then compute a WR as our annual gap (spending - pension income - SS) divided by our reduced nestegg, then I get a WR of 2.7% which is an estimate of our ultimate WR once pensions and SS are online. Alternatively, I could calculate the ultimate WR as our annual gap divided by our current nestegg less 6 years of spending and get 3.2%. In any event, those WRs a sufficiently lower than the 4% SWR so I am confident that we will not outlive our resources.