Ken,
Midpack, So after all this "learning" I assume you now have it exactly right. Of course not, not sure why you'd say that. I've acknowledged the role of luck in my path to FI.
Mine is similar to yours at the moment. ( We are also the same age)
However, I sometimes wonder about including some "alternative" investments such as real estate, commodities or even a going business. There are others here with a lot more expertise with alternative investments. I hold a REIT and sector fund of "a commodity" - but that's the extent of my knowledge/exposure. I could probably do better.
My fear is that government policies all seem directed at easing pressure on debtors- thereby giving investors a haircut. Witness current interest rates and tax increases on dividends.
BTW- Since I retired I dont do charts.
Spreadsheets yes. However, I dont need to "present" them to myself. LOL Charts have always "spoken to me" and if you're doing spreadsheets as we both are, charts a but a Wizard and 3-4 clicks away. I can't imagine trying to illustrate the point in the OP with narrative alone, but probably my own limitations...