Age based bond allocations have two flaws here: first, they were meant for people retiring at age 65, not being financially independent at age 37-38. Second, they hail from a time when financial advice was word of mouth, rather than provided by computer simulations.
Why not borrow Fidelity or Vanguard's advice, and peek at the appropriate target date fund? If you are within 3 years of being able to retire, 0% bonds is too low. Target date funds represent the best advice of companies with billions trusted to them, which makes that advice stronger than anything we can give. If Vanguard messes up badly, retirees can sue for their mistake. Posters here, not so much.
While Fidelity and Vanguard both offer low expense ratio funds, Fidelity doesn't do so well on target date funds. The 0.75% expense ratios you see are a problem. The equivalent Vanguard funds are closer to 0.15%. But you may not be able to switch - if you have enough to retire at age ~38, the capital gains in taxable are probably significant. It costs too much to switch.
Imitate the target date funds on your bond allocation - borrow the expert advice from the likes of Vanguard and Fidelity.