I just reminded myself that the OP was talking about WR for a really early retiree, perhaps in his 40s or even late 30s. So, the situation may not be of a real concern to pre-geezers like many of us here.
In my situation, my planned WR was 3.5%, which has dropped to 3.1% due to reduced spending and the rising stock market, but both of that can reverse at any time. But then, SS and Medicare will come on line later, which will help a lot, and if the market just muddles along and not crashes, I will be quite all right.
And if things go bad, really bad, I can just liquidate my homes, and drive off in my motorhome. The situation must be like near the end of the world, I think, and there will be a lot of people suffering a lot worse. So, what's there for me to worry about but my health? No money can buy that.
Still, I like to be able to keep my stash, and to die a millionaire. I love counting money, or rather let Quicken count and add it all up for me.
"Money is much more exciting than anything it buys." -- Mignon McLauglin