I'd push back a bit on your definition of accessible net worth Ben.

If you remove the value of the home, you should also remove its linked mortgage liability. This because you can sell the home and pay off the mortgage.

Before you object that this would mean you then would need to pay rent, I'll stipulate that, and just say that you could comparably include the mortgage payment in your budget, as an alternative to the rent payment.

Yes, retiring with your mortgage paid off (if possible) would improve your cashflow. However, as long as your retirement budget can comfortably accommodate your mortgage payment, there's no problem with retiring with the mortgage still in place.