The point of the thread is that you shouldn't worry much about a 4% SWR failing. But the reality is that you can probably spend more than that, especially if you're 5 or 10 years into RE and you can tell from the past market returns that you have avoided one of those disastrous retirement dates. So you could certainly spend more at times and be OK. Personally, I have multiple funds that I'm working with. I have a base 4% WR fund that will take care of basic minimum expenses. Then I have another fund for fun stuff that I don't need to last forever. And then another fund for paying off the house, some college expense, etc. So do whatever works for you and your spending interests.
So much to read, multiple days getting through this post... I posted another thread a few weeks ago looking for some of this information. There would be huge value to me and others alike if you made the "Playbook of the 4% plan, best ideas from the group, with portfolio mix, rentals, swr, flexibility, triggers, taxes, 72t, 401k conversion, low cost funds, college costs, kids, re-balancing portfolio, etc. Similar to the communication thread.