First off, congratulations. I am jealous.
Technically, applying the 4% rule, you are there.
However, looking deeper, you may be cutting it too close.
There are several other considerations. Based on your 401K savings alone, for example, you are not. If you both took your respective monthly pensions, you can't cover your expenses without dipping into your 401K accounts.
The amounts in your respective 401K savings may suggest you were higher spenders in the past. You didn't reveal your and your wife's respective incomes (at least not in this post and I didn't read nor endeavor to find your prior posts). If your joint incomes were, say, $120,000, your net worth scores poorly under the Millionaire Next Door methodology, which I like -- for better or worse -- as a 10,000-foot benchmark. Using that methodology, i am not counting your pensions because I interpret pensions at future income streams, not savings. But I may be overly conservative. The MND methodology suggests you are way behind and perhaps big spenders in the past.
I'm also confused about the pensions. I always assumed that the only folks with pensions left were state employees, and those folks don't technically have 401Ks. Yet you say you have 401Ks.
It also looks like both you and your wife work. If you both are healthy, you both could live another 40 years. Under that approach, deferring claiming SS could be advantageous. I would take a closer look at the SS options. And I would make sure your assessments of your expenses are valid based upon your 401K amounts.
Personally, I would also never retire with a mortgage or any other debt. But again, I'm exceedingly risk adverse.