First step should be to stock the pantry. Nothing wrong with keeping an extra week or two of non-perishable food inventory.
Second step- quit thinking cars are only good for 80-90k. A reasonably maintained car should be able to make it to 200k without too much trouble. As a realtor, you will be putting on LOTS of miles. Do it as efficiently as possible. Front wheel drive cars perform nearly the same as a 4WD in the snow with the exception of climbing steep hills. Slow way down, give yourself LOTS following distance, and start braking way before you need to, you will be fine. If you get stuck somewhere, flag down the closest couple guys, bat your eyes at them a little, and ask for a push! Plan ahead so you can get home before all the other idiots, but once things calm down you should be good to go. If things are really too bad to be out, you will be able to tell by the time you get to the end of your street.
Third Step-Your situation is unique. Unlike most of us ER types that have been slogging away in the corporate world for 10-20 years and are dying to get out, you are just getting started, probably semi-self employed, and can probably work as much or as little as you want (within reason). Sounds like you have a pretty good setup. I would allow yourself some creep, just make sure you are spending it on things that actually enrich your life, vs things others think you should buy. You mention you are at 2%, why not just aim to stay there? When your stache goes up $100k, your spending can go up $2k, and so on. When you get married and have kids you can bump up to a 4% withdrawal, sell a little RE on the side and be set!