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I too looked at my family history and also my medical history. In my case I am expected to live much shorter than average lifespan. This gives me the ability to have a much higher SWR if I choose.

Hmmm..... I was wondering about that too--my family history is dismal, I have a huge family but know of only 1 relative who reached age 70 (and died at 72), many die in 40s or 50s. So then, to plan for age 100 seems ridiculous to me. My health is probably no better, though its hard to say. But how do you plan this--I mean if you predict wrong, you'll run out of money! Could you explain how you account for the possibility of living longer?

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