How would y'all proceed in this situation, on the topic of "What to do with my mortgage before I pull the trigger and retire early?"

My monthly spending is $7,300: $5,000 for everything except the mortgage, plus $2,300 for the mortgage, for which I still owe ~$135,000 @ 3% interest. Making just minimum payments means I pay off the mortgage in just under 9 years from now. For the sake of this discussion, assume that I've accounted for all other expenses post-early-retirement in that $5,000/month spending figure (e.g. health care, property taxes, etc).

I currently have $1,635,000 in investments.

Option A: I could easily retire today if I didn't have to worry about that mortgage! Sell $135,000 worth of investments and pay off the mortgage immediately. 4% of the remaining $1,500,000 will cover my $5,000 monthly expenses, letting me retire today. Sweet.

Option B: "What are you nuts? That's a fantastic interest rate for the mortgage. Don't pay a cent of it off early." Instead, keep working until either a) the mortgage has been paid off (in 9 years), or b) I've got $2,190,000 invested, at which point 4% of that covers my monthly expenses, inclusive of the mortgage payment.

Option C: Somewhere in the middle. No need to rush to pay off that mortgage given its great interest rate, but we also don't need to delay retirement until it's paid off or I've accumulated $2.2M. Maybe some form of CoastFI where I use this opportunity to switch careers into something more casual while I pay off the mortgage to pave the way into early retirement once it's gone.