Thanks for the reply BMJ. Looking to withdraw approx. 5% per year.
5% would concern me a bit. I don't know what your investment mix is, but I ran FIREcalc (link above) with 900,000 starting portfolio, 45k/year withdrawal and all other settings untouched (30 year span, 75% stocks, etc.) and those numbers would have survived 88.6% of historical 30-year periods.
Does that mean anything? Not necessarily, and there are arguments for and against 5% being safe today or 2 years from now.
The people I pay most attention to seem to feel they can make it on 2%, prefer 3-3.5% and would be plenty happy with 4% and adjust spending based on portfolio performance. But each situation is different. If you read around here for a while you'll pick up a lot of general and specific examples and get more confidence in what you feel you can do with your assets.
Other than that, it sounds to me like you have the frugal-minded ER approach which from my point of view appears to be the most successful.