That's why you move from a risky stock portfolio to a safer bold driven portfolio as your age increases.
Suppose a shock happened right before I planned to shift into a safer portfolio. What do I do then?
The only really correct answer is: "well, I didn't need that money anyway."
If you are 45 you might be at 50/50 (safe/risky growth) by 55 25/75 by 60 90% is safe.
If something happens at 60 where you lose 50% of the 10% in growth stocks stats show that a 5 year recovery to base levels is likely.
Again, Target Retirement funds handle this completely transparently for you and require literally zero hands-on involvement.
This is quite simply nowhere near as hard as you're making it out to be.
I'm going to quote a (sarcastic) reply to another of your comments:
"This is easy. Just find a job that pays you $350,000 a year."
If you have plenty of wealth and income, then it's easy.
But then, if you have plenty of wealth and income, it doesn't really matter what you do.