I agree with Cherry Lane you should look at your taxes closer.
Here's a plan with a 3.91% withdrawal rate:
Spend $2,800 per month on everything but healthcare = 28k
Get MVP Premier Plus HDHP Silver 3 NS insurance for $623.46 per month, $2,500 Deductible = 10k per year
Spend $9255 on taxes:
$3042.06 on NY State income taxes, based on $53,000 of income, at an effective tax rate of 5.74%
$6,213.16 on Fed income taxes, based on $53,000 of income, standard deduction of $6,300, for an effective tax rate of 11.72%
The above assumes this is all counted as personal income tax, but capital gains are taxed at 0% federally until you take out $38,600, so:
$2,160 on Fed income taxes based on 14400 (53000-38600) taxed at 15%
The savings on federal income taxes means you have an extra $4,053 per year.
I don't want to redo the calculations at the lower withdrawal, so lets add it to spending:
2800+4053/12 = $3,137.75 per month.
By the way, this all assumes you have enough health expenses per year that you actually spend the whole $2,500 deductible.