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How would the answers/advice here differ if the 55-er was buying a 15 year period certain SPIA to add some certainty until SS kicked in?

Yes, and things look bad enough without doing that. :) That is why with my "15 year plan + 30 year SPIA" I did not string two FIRECALC runs together. I just ran a 15 year scenario in FIRECALC that left enough money at the end of the 15 years to buy a SPIA that combined with SS would...

FYI ... I tried to simulate this and got about the same success rate for the 15 year plan + 30 year SPIA as I did for a 30 year plan - both of which were less than the 45. I guess this is pretty much what I expected.

Agreed - all the cautions about using/abusing FIRECALC are understood. As for the original question: "How does one balance the desire to plan for a potentially long retirement period (say 45 years) with the resulting reduction in the number of cycles used?" - I'm thinking the following might...

So 80% success in firecalc is good enough to pull the plug on, huh? :) But is that on a 45 year plan, or a 30 year plan? :angel:

Okay, so I had almost ended my original post with something like "or am i guilty of "measuring something with a micrometer when you'll be cutting it with an axe". Just wondered if there was a "work around" or if I was just working it too hard. Thanks for the replies.

How does one balance the desire to plan for a potentially long retirement period (say 45 years) with the resulting reduction in the number of cycles used? As an example, if I enter 45 years FC checks fewer cycles and gives me 100% success because it is not using some of the "ugly" cycles. If I...