You guys are talking about two different things. 94 -- inflation is accounted for in the SWR calculations. uniFI is talking about how big your number will need to be. For example, say based on your $40k spending you'll need $1,000,000. If it takes you 10 years to save $1,000,0000, by the time year 10 rolls around, $1,000,000 will probably not be quite enough as your $40k annual spending will have increased because of inflation.
It's a slightly more accurate way of gauging how long it will take. However, it's all just ballpark-ing the numbers until you actually get close, so whether you use inflation or not to determine your "number" when you're a ways out probably doesn't matter much.