What has changed since your previous post?
https://forum.gocurrycracker.com/index.php?topic=450.msg1375#msg1375In that discussion, it looked like pensions/SS cover your entire cost of living in the near future.
You also listed home equity previously but it is not included here.
>Is the plan good enough to succeed?
Pensions +SS cover your entire cost of living... with 12 years between retirement and full pensions.
50k * 12 years = $600k to bridge the gap. You have more than $600k.
What is driving your desire to fiddle with things?
What is missing from the simple math above?
The gap between retirement and age 59.5 is <7 years. $350k or so at $50k/year
If you run out of accessible funds, worst case tap the non-accessible funds and pay the penalty. If you need an extra $80k you can have it for a $8k fee, or 1% of total portfolio value. Small.
SEPP is also able to provide substantially higher withdrawals due to higher interest rates.