hold on a minute! You can't just suggest fees might come out "to about 1.5%" and then say it's not important right now.
Vanguard's fees are pretty transparent - it's 0.05% for most of their Admiral index funds. Slightly more for blended or international funds.
As Seattlecyclone pointed out, it's basically a rounding error. Better yet, take a look at fireCalc and notice how broad the results are after 30 years and a 4% WR- a few portfolios failed while others more than quadrupled in size. In statisical terms, the 'noise' or natural variance in the system is so much greater than the fees you are accounting for. It would be like trying to predict the temperature at noon a week from now and worrying that your thermometer may be off by 0.05ºF.