I would stick with MMM and ERN and plough everything into equity. My own path before I learned better was real estate, which sort of worked as a savings account. I think I may have lucked out on one of my properties because it did very well on AirBnB, but if I had to do it again I would definitely go 100% equities. In fact, I am trying to sell them so that I can put the proceeds into equities now.
The concerns expressed in the thread are about the sequence of returns, and they are real. However, since you are not on the cusp of FIRE, they are nothing to worry about.
Here is a good article about that risk, but the idea is intuitive. If you retire and the market tanks shortly thereafter, you could have to backpedal into work again:
https://earlyretirementnow.com/2017/05/17/the-ultimate-guide-to-safe-withdrawal-rates-part-14-sequence-of-return-risk/As you near retirement, you would want to build an equity glidepath. The simplest form of that idea is to keep a couple of years of expenses in a bond portfolio. That way if your equity savings tank, you do not need to touch them. Here is a better explanation:
https://earlyretirementnow.com/2017/09/13/the-ultimate-guide-to-safe-withdrawal-rates-part-19-equity-glidepaths/I think ERN actually has an article explaining how the traditional 60/40 or 70/30 equity/bond portfolio underperforms, but I could not find it. The idea is intuitive enough, though: if you keep part of your money yielding 2-3% (if that) for years, you are giving up the 7% cumulative gain of that money if it was in an equity portfolio for that time.
100% equities until very close to retirement, then a couple of years of expenses in bonds as you near your retirement date. Keep that at hand for the first 5-10 years of retirement until your SWR gets to about 3% and the likelihood of failure is nearly 0. It is not quite what you propose to do, but it is damn close to it.
Actually, re-reading your post, a 50-65% equities allocation does not seem sensible at all at any point - you'd be paying for too much insurance in the name of foregone returns.