I believe the importance of maintaining the position below the targeted thereshold. Such approach will ensure one to have some form of buffer in case of emergencies. This is applicable to FIRE journey. One aspect is the withdrawal rate. The said safe withdrawal rate is 4%. It will be good for one to reduce the withdrawal rate of below 4% so that one can increase the percentage of 100% which means that one does not have to work anymore in his/her lifetime.
On the side note, I do not advocate non-employment for one. It will be good for one to have some form of work for the rest of the lifetime after achieving FIRE. Such work will be up to one’s selection rather than at the mercy of corporate overlords. One will have the comfort of knowing that he/she does not have work if he/she does not want to do so with the knowledge of the generated passive income will cover the entire annual expense on a continuous basis.