FWIW: We take our withdrawals from our IRA when the checking account gets low. Maybe $30-$50K at a time 3 or 4 times a year; as needed
This became a problem when we considered taking a small mortgage for our new house. (we decided to pay cash for the balance)
Seems that without a "regular, scheduled and formal" withdrawal program lenders don't care if you have several million NW, zero debt and an 825 credit score. Apparently not having a 'regular' income spooks them for some reason.
Spoke to my advisor at T Rowe and he said he runs into this all the time.
Other than that, I don't see any different on how one withdraws.
Living well is the best revenge!
Retired @ 52 in 2005