Hi Is7550, I was playing with your first scenario and went to 27.5% stocks, 30% each long and short term Treasuries, and 12.5% Gold and got $90k more, a lower max loss and a better CAGR of 8.77%. Shows to go you if we had the smarts then we do now we'd be, well maybe not rich, but more comfortable.
Of course backtesting is not the same as real trades For example US Stocks seems to assume the whole market or some very large part of the market, however we only buy a portion of the market and we could be very wrong in our choices. Oh, well.
Best,
Allen