I went to a tech presentation by Barrick and got the impression that gold price is set by their fixed costs and operation costs. If the price goes up they turn up their operations. I am sure this isn't a controlling factor as demand could outstrip their operation size. But it does set a soft ceiling when demand is low, and it is.
The general thinking about this is to use a "safe withdrawal rate" of 3% to 4% of assets per year. Dividends are out of fashion since they don't offer tax deferral, they also aren't really easy to properly diversify although dividend funds are offered.
I have asked up front if people attach timelines to their offers or use exploding offers and just decline to interview. Those offers are, in my experience, always less competitive.
It's not negligible, BECAUSE you are seeing dozens of patients a day. When you're a doctor, factoring the odds into your diagnosis will screw up your diagnosis BECAUSE you are exposed to the whole probability spectrum, not a quanta of it.
Using "chance of occurrence" is a major logical fallacy for diagnosis identification and can ruin the whole practice.