Can your SWR be above 4% if you have more than you need?

[2B]

Everyway I run it, the highest success rate is if we both take SS at age 62.

That's because of the length of your plan. Taking SS at 70 cuts 8 years of a much lower benefit that may be for a plan that only runs until you are 85. I look upon SS as "longevity insurance." It's COLA'd and, if all else fails, is probably enough to survive on until DW and/or I enter the nursing home.