Megan McArdle has the bad news - there's no way to take risk away from retirement.
You're just moving the risk around.
We shouldn't have been surprised--however much financial planners may boast of reducing risk, it is rare for financial risk to actually disappear. What we do is move it around, maybe transform it a bit. But the risk always remains. Unfortunately, the transformation is often good enough for us to believe--temporarily--that the risk has gone away. That is the recurring theme in the history of retirement planning--and, I'm afraid, this article.
Keep healthy, and think about working for a while.
Lest you run out of money before running out of life.