+1 that addressing the 4% rule more directly still needs to be done.
@Tonayahu, the 4% rule includes quite a safety margin for down markets. It anticipates that with 50% in stock and 50% in bonds, annual rebalancing of the stock-bond proportion will enable withdrawals to be made at the rate of 4% of the original portfolio without running out of money for the next 30 years. For a fuller picture of how this works for a variety of portfolios, review the safe withdrawal rate charts at
https://portfoliocharts.com/ https://portfoliocharts.com/portfolio/withdrawal-rates/The key to the 4% withdrawal rate is whether 4% of the invested total is equal to or greater than your expenses. The 4% is based on historic performance of ordinary investments. If the non-crypto portion of your portfolio is sufficient to meet this standard, presumably you are safe for decades even if the stock markets crash comes the day after your new asset allocation is implemented, and the crypto naysayers turn out to be right. The only way you would fail in that case would be to reallocate non-crypto into crypto.
For what it's worth, I think that basing a portfolio on present analysis about the relative valuation of asset classes is inherently risky because valuation estimates are inherently difficult to make accurately. You stated a goal of taking a year or two off and feeling safe. I suggest that greater safety can be obtained by implementing strategies that succeed in the contingencies where our estimates are wrong as well as right. In other words, diversify across asset classes so that the diversification, not the valuation, is the primary guarantor of safety. In that light, your shift to a portfolio with several diverse asset classes is probably a good direction. I hope you do implement it, or something similar.
Personally, due to reviewing portfolio charts and pondering the behavior of different asset classes, I like several aspects of your proposed portfolio. Cash and precious metals are value stores that do well in plunges, though their long term value tends to be flat (metals) or declining (cash). Stocks tend to rise because they are shares of productive enterprises, I strongly support keeping anywhere from 30% to 50%. Real estate is somewhat uncorrelated with stocks, which is good, and somewhat productive, which is good, and gains from inflation where cash loses, so is a good asset to balance out the stock/cash axis. Bear in mind that what type of real estate and which specific real estate investments you make have a big effect, so educate yourself on that. If you directly own property, it can involve work, which contradicts your goal of taking time off, but yes a good property manager can keep the workload low in return for reduced income; at least you'd be storing some value while you take time off, though. Re precious metals, I'd consider exchanging half of that for commodities; see portfolio charts for sample results, and sample vehicles of investment. Re cash, I would suggest that some of that be in bonds.
Btw, I like the idea of having very high collars before the rebalancing between crypto and conventional.
So - do you have enough $ that your conventional (non-crypto) portfolio portion would by itself cover 25x of your current expenses? Do you expect to have different expenses when taking time off?
Good luck in any case.