I'm not talking about financial writers. This is Mstar, crossing paths with academic research, Monte Carlo testing etc.
4% fails about 25% of the time. I wouldn't bet on a 1 in 4 chance that rates and markets might combine to see an income plan fall apart and sent a 75 year old back to work as a Wal Mart greeter.
Do what you want. It was an observation on a very small part of the OP.