Your points are all very well taken. That's why I assumed a 3% SWR, rather than a 7% one that would be sensible if you had a guaranteed 10% return with 3% inflation.

The point of the 10% assumption in the graphs was that once you have (morre than) enough, you can take more risk, and as a result get higher returns.

Still, the SoR risk is definitely a major one, especially if you think (reasonably) that we may be at the end of a bull cycle.

The way I plan to address that is by retiring with ~3 years' worth of expenses in cash and 7 years' worth in bonds. I also plan (hope?) to gradually ramp down paying work over 6 years.