I'm going to have to figure this out before I answer the poll. I like this way of thinking better than those races you mention (I participate in two of them right now, depending on what's included).
I might say 80% and I might say 60%. Or some other number. It depends on how I look at things. I'm still feeding my retirement accounts, but I guess I can consider the current balances and what I'd take out at 4% SWR and then include rental income and pension.
Posting to remind myself to get back to this.
Let's pretend that Joe has a target FI number of $50,000 per year. He's 41 years old and plans to retire at 46, 20 years before he's going to take his social security.
He has a 70/30 stock/bond stash worth $200,000. He's going to use a 4% withdrawal strategy, so that's $8,000 in income.
He has a rental property worth $50,000 that produces a profit of $5,000 a year. He won't be selling it. His running total of FI income is $8000 + $5000, or $13,000.
He has $12,000 in royalties coming in from some material he wrote that is likely to last until he's 66, when his social security kicks in. That puts him at $8000 + $5000 + $12000 or $25,000.
He has $50,000 stock that his employer gave him as a bonus but it doesn't vest for 3 more years of employment. That would be another $2000 per year but it's not vested and there's no guarantee it ever will vest, so it's worth nothing today. So, he's still at $25,000 in FI income.
He has a house that's worth $500,000 and which he owes $100,000 on, giving him $400,000 in equity. When he retires he plans to sell this house and buy another one for $100,000 cash. That means his FI stash will grow by $300,000 or another $12,000 a year. I would count this in Joe's FI total even though the house hasn't been sold and the real estate market might go down for a few years. Before Joe pulls the FI trigger and quits, he'll have checked the market and made sure those numbers are still solid, or he might even sell first, then go FI. So, $25,000 + $12,000 puts Joe at $37,000, or 75% of FI.
Pensions are sort of between the unvested stock and the unsold house example, depending upon how they are structured. Some can be cashed out early at a reduced value (which makes it easy to calculate the FI dollars for), others are all or nothing. If I had an all or nothing pension, I would track two FI percentages, one with the value at $0 and the other pro-rated based on the proportion of time put into it. Example, a military 20-year pension is an all or nothing pension. So, if I want to know, "How much of my FIRE expenses could I cover if I left the Army today", that pension would produce $0. If I was 15 years into earning that 20 year pension, it's value will technically $0 until the first day of the 20th year. But, I might also consider it worth 15/20 or 75% of that pension value in my second calculation. The second calculation gives me a better view of how my plan is currently working out assuming my plan comes to fruition.
For answering the poll, the all or nothing pension would be worth nothing.