I really don’t think you understand how this works. You still take income, you just take it from the investments. The lower sequence of return risk later in life allows you to take more income from the investments from 62 to 70 and then reduce those withdrawals at 70.
It absolutely is - and that money likely should be invested differently during that window to reduce the risk of loss. Again, that is all part of the calculations.
Of course, but do you skip out on home insurance because you are likely to have a more favorable experience than others?
If you think you are likely to have better than average performance, feel free. The math and the data is based on the range of possibilities and that has to allow for both Goofyhoofy historical performance and those that are much less so.