Coast number assumed seven percent real and three years in I have got two Coast FI

Three years tells you almost nothing about a 26 year projection, and if you rebuild the model every quarter you'll coast, uncoast and recoast yourself into a mess. What I'd do instead is set a review date once a year and a single decision rule: if actual balance is more than X% below the glidepath at review time, resume contributions at some fixed amount until it's back on. Written down in advance, checked once, ignored the rest of the year.

Resuming partial contributions is not a defeat. I coast with about 300 a month still going in, which is small enough that it doesn't change my lifestyle and large enough that it quietly fixes a lot of bad-decade scenarios. Middle options exist.

The one thing I'd genuinely worry about at 37 is not the return assumption, it's whether stopping contributions has quietly raised your baseline spending. Coasting works because your number is fixed, and it stops working if your annual spend drifts up by 4% a year while you're not looking.

7% real is an optimistic input to build a life plan on. I ran mine at 4.5% real and treated anything above that as a bonus, which meant I coasted about two years later than I could have but I've never had this particular conversation with myself. If you rerun your model at 4.5 and the answer is still 'mostly fine, retire at 62 instead of 60', that's probably your real answer.