OK, first things first-- Good job overcoming whatever your circumstances are and getting to a point where you could max out your 401k.
Second- Probably best not to refer to 59.5 as the "end of life." People commonly live 40 years beyond that. I realize it may seem pretty old at 29, but it ain't that old.
Anyway, MMM did *not* max out his 401(k) for "end of life expenses" (a term usually used to denote one's funeral expenses), but rather for his current living expenses. There is more than just the 72(t) rule to get money out of a 401k , there's also the Roth pipeline, which is a better choice for many people (MMM included, as I understand). There is also, although seldom discussed here, the option of simply paying the penalty if the other options were to disappear.
At your income level, the tax savings are a real factor in where your money should go. Could the various methods of getting money out of a 401k disappear in the medium or long term? Sure, yes. But you have no control over that. As MMM says, that is not within your circle of control. It's there now, and shows no sign of disappearing at the moment. Even if those methods evaporate, in the worst case (paying the penalty) if you are in the 15% tax bracket in retirement, you are likely to be net even on the taxes + penalty.
Simply put, there is just no reason to forgo the tax savings on the off chance that all methods to access the money early and penalty-free disappear.
You should also critically evaluate your retirement math. It seems like maybe you're overestimating what your living expenses would be in retirement. There are *lots* of variables you can control when it comes to costs (especially your costs in retirement) to reel in the early retirement date. You also don't seem to take into account raises or bonuses or side hustles...
For 63K net, 28K annual savings, 35K expenses, I get 17.1 years if your expenses in retirement are still 35K/year (7% return, 4% withdrawal rate). Get the retirement expenses to 24K and you're at 13.5 years. Get a few raises, you're at 10 years pretty easy. All of that presumes that you don't get the tax advantage of the 401k, too. Max out your 401k, put the other 10 in tax-efficient investments, find someplace less expensive to live in retirement, and you'll easily hit 10 years.