And even if the market recovers in 3 years, by then you're left with a fraction of your capital.
Face it, it's temporal gambling also known as a martingale. One with ok odds but still gambling.
There are classes of assets that are less vulnerable to such downturns, but they have their own risks. (Mostly properties you live in and transportation you use.)
Historically, you're much more likely to have your money grow over time, such that it's much higher before a big crash, and you have ample capital to wait out a bear market.
Again, the only scenarios that resulted in running out of capital in a 4% withdrawal rate happened in the very first few years, retiring right before a very bad series of years.
If early retirement is your goal, and especially if you're a competent software developer, if the market is that bad early on (which is very rare) then you just have to change course and go back to work.
Btw, 5% is not a safe withdrawal percent unless you're really old. Most do 4% and aim to not diminish but increase their savings in the long run while retired.
That isn't a political statement about the GOP, it's close to fact. When did we last not enter a recession, or the possibilities of one, after the GOP held Congress and the White House? Trump, Bush, Bush Sr/Reagan. Its like part of the plan is to drive the nation broke after concentrating wealth with donors and friends/family.