You'll always run into the question though: How much buffer is enough?
I guess for the people who are that worried, it should be possible to calculate right? I mean if Firecalc says the 4% withdrawal rate fails 5% of the time, just find the withdrawal rate that works over 99% of the time.
I think the key would still be to make the decision ahead of time about what amount of money you are working towards, or like you said, the "one more year' syndrome could keep you working forever out of fear.
Hah. I love your optimism.
No, there are plenty of people who have OMY syndrome that have 100% on cFIREsim.
It's still not enough.
