Adding to what everyone else is saying, remember that $80k/year will be great for now, but if you're not letting the principal grow at all, you'll still only be getting $80k/year in 40 years, at which point it'll be a lot less useful
I don't think you fully understand what the 2.2 million represents at 80k/year. This is a 3.6% SWR, which is considered "safe" because over a long period of time, the stock market will typically do well enough to offset any downturns. The average market return from 1985 - present is about 7%, so i have no idea why you would assume principal remains the same after 40 years.
I'm going to assume you mean 'in years when 4% exceeds $80k, leave the excess invested'. As the whole point of using 4% as a safe withdrawal rate is that it allows the good years to balance out the bad years.
