I have a different take on this.

It's good to plan for the worst-case scenario, but it's usually unrealistic to assume you'll never be able to earn money again, and that in case your investments underperform, all you can do is watch the money run out and then die.

In the bottom 10% (or 1%) scenario, you'll know the numbers won't work out long before the money runs out, so you can rejoin the workforce.

This is far from ideal, but there are other risks we can't mitigate (e.g. disease, car accident), so it's pointless to obsess about eliminating even a tiny risk your early retirement failing (and having to work again). Better accept the 10% risk (or 1%, whatever your threshold is), and live with it.