OCU,
It looks like you got some very good advice over the years. Nicely done. I especially like your trio of DB pensions.
I've got a pair of defined benefit pensions, also with the 100% survivor's benefit. My wife is about a year younger than me, so that was an easy option to choose.
Our plan has been to live off our Taxable IRAs for the time being, so we can increase each of our SS payments to the max. And it turned out I didn't want to retire when I turned 65, as I'd always believed. So for the time being, I'm actually taking extra out of our taxable IRAs, then turning around and maxing out our Roth IRAs. Our goal is as much in Roth IRAs as possible, and as little in Traditional IRAs as needed. Our three pensions and SS will, of course, be taxable, but for the next three years before the RMDs, we'll live on pensions, SS, and ROTH IRAs.
Once we hit RMDs, the plan is to use ALL RMDs for charity, via Qualified Charitable Distributions. That way: no income tax, federal or state.
Trump's big win = Americans paying more taxes.
Some victory.