Hi, OP here. Thank you, thank you to all who have replied! The thought of spending from the stash still nauseates me, but how I can let that get in the way of what I'm sure will be wonderful experiences?
As a couple of posters suggested, I did re-run FireCalc, setting aside a chunk for "fun money" and subtracting it from the total stash. I still ended up with a 100% success rate. Thanks for that suggestion! I found a level of comfort in that result (knowing that past market returns don't predict the future, but you go with what you got).
I also liked that several posters advised to "do it now" because there's no guarantee of good health in the future. I've seen this personally with my own mother, who at the age of 85 and in the period of one year, has gone from living independently to living in a nursing home, afflicted with dementia to the extent that she cannot speak, walk, or feed herself.
I so appreciate all your input. When I think of things by myself, I always wonder, "What am I overlooking?" That's why a forum like this is so helpful.
In the last hour, DH got an e-mail from Delta Airlines trumpeting sales on fares to Europe this fall. Now, I check ER.org and get positive feedback from you good folks on traveling while we're physically able. I know from previous experience that both DH and I value experiences more than "stuff", so I went over this thread with him. His eyes lit up and he said, "China!" A little more thought, then "India!" Getting very excited now, "A Galapagos cruise and Machu Picchu!" Then he stood up and announced, "New Zealand! (Pause)
In Business Class!"
I think I need a new suitcase.
Thanks again, one and all.