Approaching 25X. Does anyone pad their portfolio for a 3.7% WR?

Living a frugal lifestyle, my 25X mark is fast approaching and it's becoming a bit difficult to focus at work... I'm stewing on the questions of whether needing a more conservative 3.7% SWR or if the classic 4% (with some stops to prevent future over/under spending) will be enough. I'm fairly young so I don't plan to never work again. I'll preferably just work on things that interest me/passion projects that bring in some money. I don't hate my current job although I'd rather transition to a business of my own if I keep going.

Anyone else deciding on whether to go with the 4% WR or something lower? I've used the FICalc app to map out a probability of 0% failure, but it's still a big decision.