The 3 to 4% SWR discussion is good to have. But it ignores several key points:
4) Bernickie's Reality Retirement Plan. In ER, you will likely spend more initially (especially if we can go back to travelling); Approaching your mid-70s, yours spending will likely gradually decrease, and if you make it to your early to mid 80s, will likely increase due to health care costs. This is why I really like the Marketwatch calculator:
https://www.marketwatch.com/calculator/retirement/retirement-planning-calculator
My goal is to spend as much as possible as early as possible to have the best experiences as early in life as possible, when health is theoretically better, and I'm not concerned about spending nearly as much when I hit my 80s. I'll happily move to a condo then, and cut out most travel....hopefully, I'll still be diving some, into my mid 80s.