Sometimes, I find myself worrying about running out of money. If you do the same, then maybe take a look at this:
It is sobering to see very large chance of being dead. A chance which dwarfs running out of money at 90 years of age.
It’s a very clear way to showing that worrying about the tiny sliver of red is probably not worth your time. Most likely you’ll be in the green and all is fine, or in the grey and then being bankrupt is not such a big deal in comparison.
I have the feeling that with adaptive spending (the year of a crash, spend maybe a bit less - on the good years, take a bit more out but build a cash reserve) - you can avoid any chance to be broke and also end up in the 5x success (which would be a also inefficient). Unfortunately, I did not see any simulator which could factor that in.
To stay in the theme : adapt or die (early)
Edit : actually this one does (Spending Flex)
This one has some spending flex, I tried to use it here with this scenario $10k monthly budget $2.4k retirement. Early retirement at 50 for 40 years with flex spending of 20% if pot dips below 80%:
And with that kind of budget it should be easy to find 10% to reduce the budget. for a few years.
So, what I understand is that I lower my chance of becoming broke by starting smoking.
A literal “Get rich or die tryin” 
I really like this calculator. Adding the probability to be dead adds some perspective.