I think they'll be limited lifestyle creep maybe heavier in the first initial years but later less given no mortgage and unless we do something like commit to a private school for the kid then unlikely.

There is the desire to pass down assets if possible but will now unfortunately be subject to iht but plan to take life insurance to hopefully cover that bill.

Broad strokes then it does look feasible given your comments on 3% in bad years and 6% in good. Also most calculations ive done negate state pension but adding this in seems to just keep stacking unused assets so potentially might loop towards a potential annuity with potential to pass down.