I guess the punchline is that there is no real hard and fast rule to figure out the reaching of overaccumulation status - even though it seems that price-based sustainable withdrawal seems to be justifiable towards being able to start with such price-based sustainable withdrawals at lower BTC accumulation thresholds as compared with time-based sustainable withdrawals, and yeah it might not make any sense at all to begin any sustainable withdrawals if there might be some comfort with the funds coming from other places (even including a job), yet surely some folks do want to get themselves into a position to be able to either completely quit their job(s) or perhaps to at least cut back on their need to have to work for money so they can cut down on the hours of work or change the kind of work to something more enjoyable, which then the reaching of such status may well justify some forms of either discontinuing of the accumulation of BTC in such an aggressive way (or at all), or to start to withdraw from their BTC holdings to either supplement their income or perhaps to completely provide their income and hopefully in sustainable ways.
Yeah, the concept of "Fuck you status" is indeed highly individualized, and there's definitely no 'one size fits all' approach used when trying to determine when an investor has actually attained or reached a fuck you status. Yeah, price based sustainable withdrawal may indeed provide a more flexible approach, because it in some ways allow individuals to start drawing from their Bitcoin stash at a much lower accumulation threshold, unlike the time based strategy which is pretty far from that.
Well, when we also try to think about it, we can assume that it's also logical that those investors that has other sources of income that are reliable may not really feel the need to initiate the sustainable withdrawal approach from their Bitcoin stash. But the truth is that, so many investors consider Bitcoin investment as a means of gaining financial freedom, whether it'll lead them to entirely quitting their job, getting a more suitable and fulfilling work or just reducing their work hours.
We can actually say that reaching a fuck you status could actually justify shifting approaches, such as deciding to dial back a little on their aggressive accumulation, or to start withdrawing from their Bitcoin stash, in order to supplement their income. This is also pretty much individualized, but the actual punchline is finding a sustainable strategy that's capable of aligning with the individual's personal financial goals, as well as risk tolerance.