re: Rate this retirement scenario….plan (hopes) for when I’m 63

Very subjective… just curious. I’ve got 20 years until then…

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Not sure what that means.

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I have my projected future spending, assets, and expenses on a spreadsheet. I plug in different figures for stock market returns and spending, and use the results to evaluate how changes will affect my finances.

It's just a guess, but this exercise helps me to understand how various market events and expenses, both unexpected and expected, might affect my future finances and how I would react to them. I don't really expect the future to match what I project, but it is very useful for determining what adjustments I can make if certain things happen.

It's probably not very useful beyond just a few years. No one can actually predict market returns, but it is useful for thinking about adjustments for future events. I update the numbers periodically, usually at least monthly.
I use it to determine what I'll do if the market goes South, or what I'll do if the market is good, or what I'll do if my Ukrainian Sugar Baby demands a new Porshe. Plug in some of the Social Security doomsday projections too, think about what you would do.