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I think the only assessment to no if someone has accumulated more than enough Bitcoin is if you have
three-and-a-half to six times your pre retirement gross income in bitcoin or if you have accumulated more than expectation, I think we should not just bring to ourselves what we think we be the assessment the one I wrote is just my opinion and I think there should be an official assessment for this in Bitcoin investment.
I think that one of the mistakes that people make is not having enough, and if you plan to have ONLY 3-6 times your needed annual expenses, then you seem to be thinking about cashing out principle and interest, which I would not consider to be sustainable.. even though it is possible with bitcoin 3-6 times could still work out, but it is problematic in terms of how it is going to end up withdrawing principle and not going to be sustainable (from my point of view).
In traditional investments, there is a presumption of being able to sustainably withdraw 4% per year, and so if you have 20-30 years worth of income, that 4% per year should work for you.
Yet, I personally speculate that somewhere close to 10% could be sustainable, which would mean that you ONLY need to have around 10 years worth of your annual expenses for your 10% withdrawal rate to be sustainable.
Of course, each person needs to make their own assessments, and I personally assess the value of my BTC based on the 200-WMA rather than based on spot price, which likely gives an additional cushion of not getting into withdrawal status prior to having eniough.
In my own sense I think before thinking about selling our Bitcoin we should really think about it and ask ourselves what will I stand to gain if I start selling now and what will I stand to lose if I start selling now, I think this question will help you make a good decision.
I think that the better question is whether you are able to assess your withdrawal strategy as being sustainable or not, so if you do not have enough to have a withdrawal strategy, then you have not reached a high enough BTC accumulation to begin your withdrawals.. but hey whatever you can do what you like whether it is sustainable or not.. I personally believe sustainability of your withdrawal system (amounts and do you have enough) is the key to success with your long term investing rather than ending up cashing out all of your BTC prior and then ending up with a bunch of worthless dollars or whatever was your inferior investment and/or decision to consume rather than to make sur taht you have enough prior to staring to consume.