As at least one of the other commenters pointed out, you're proposing to withdraw 10% a year, so of course the higher-average-return works better. The rule of thumb for safet is usually said to be around 4%/yr. Ass you point out, most Americans don't have nearly enough retirement savings.

In the simulator, the crossover where 50/50 becomes safer is around 5%/yr withdrawal rate for a 30 yr retirement, and around 6.5% for 20 yrs.