Keep in mind that my own ideas regarding withdrawal or sustainable withdrawal, whether based on price or based on time, presume that the person had reached a status of over-accumulation.. or alternatively using a set budget, for example giving a 10 Bitcoin budget to a business, then if the business were to be using a time-based withdrawal system, then the business could figure out its withdrawal rate, and so for example
the tool currently asserts that a 4% annual withdrawal rate would be 0.03333333 BTC per month, even though surely I want to adjust the tool so that it would use the 200-WMA dollar value, yet we have not yet made such adjustment, and then perhaps be able to withdraw up to 10% based on that way of valuating the BTC holdings, yet we have not yet made those adjustments... so until we make such changes, it may well be better to stick with more conservative withdrawal rates of around 4-6% annualized.
0.03 BTC sounds very high even for a 10 BTC budget.
It may be just me, but I have an even lower percentage withdrawal rate, somewhere between 1-2% a year.
We can back test various withdrawal rates, and see that historically, BTC has been been appreciating in value more than 10% per year, even using the 200-WMA, so historically we would have had been able to get away with 10% withdrawal rates and the dollar value of our holdings would have continued to grow.
Surely 4-6% is even more than reasonable with bitcoin's historical performance, and surely would likely amount in considerable ongoing growth in the value of the BTC holdings, in spite ongoing withdrawals, and a 1-2% withdrawal rate would even be allowing the value of the BTC holdings to go up quite a bit, especially if we might average out the withdrawal numbers over a whole cycle or more.
For sure as the BTC gets withdrawn, the authorized amounts would get smaller in terms of BTC amounts, in the event that we held the withdrawal rate the same, such as withdrawing at 4% per year. Of course, the greater the cushion in a persons budget size, the more likely he would feel comfortable employing higher withdrawal rates. I had previously used the backtesting tool, described as Simulation to show that fairly high rates would have historically been sustainable... such as 6% to 10%, and I believe that I even used higher rates, even though the tool maxes out at 30% per year.. and you can even experiment with 30% per year and see that your BTC holdings hold up pretty well, especially if you might have reached a status of adequate accumulation even as far back as 2015 or earlier.