If that’s a real concern of yours, maybe park what you think you’ll need in money market funds / gold (FX hedge)?
There are various ways to look at numbers but my thumb rule is 4% inflation 9% growth keeps you perennially happy with some choppy years of course. 4% inflation 9% growth implies you can withdraw 4-5% every year and still have equivalent portfolio in inflated money.
Five years ago I paid for “market rate“ insurance through my business for my family because we did not qualify for ACA subsidies. The cost was about $40,000 per year.