Your attitude to risk is critical IMHO that close to FIRE.
<...>
Does it really matter how close one is to FIRE when it comes to risk? In my case, when FIREd, we need to survive for 20 years on our stash. The only way to generate a growth that compensates for inflation and the 4% that we want to withdraw, is to invest it into the stock market. The alternative funds with lower risk are barely generating 2% per year, which is below inflation.
I don't dare to take our stash out of the stock market and into low-risk funds. One alternative strategy is to invest money in property, in our case currently our too expensive house, from which we will downsize in few years. I know, houses are generally not a good investment at all, but at least it is some form for diversification.
If only the interest on the bank was higher, then I would put more money on the bank. I remember the days when we received 6,5% interest on a bank account. That would be a no-brainer to put a lot of money there. But currently we would be loosing money, either on a bank account and in a low risk fund.