Limoman, I didn't mean to imply that I only run two scenerios!  I just mentioned those two because I was interested in the impact of fixed income investments on my overall outlook.

 I've used a number of different calculators, I like Financial Engines the best.

My income needs will go down in retirement because I will pay off the mortgage just before I retire, but otherwise, I agree with you, I expect to spend the same (or even more on increased travel).