No need to apologize, the 4% rule was indeed what I was thinking of here. The lower a % you can aim for, the higher your odds of not running into some variation

No need to apologize, the 4% rule was indeed what I was thinking of here. The lower a % you can aim for, the higher your odds of not running into some variation of gambler's ruin at n years, where n = 10, 100, 1000... ... My real point is simply that eternity is expensive, at least if you have to pay up front.