"and don't expect the allords to jump back very quickly. Take a look at the XAO after the 87 crash. 7 years later it finally does a double top to its pre crash level and then retraces only to breakthrough about 2 years later. About a year and a half later it's using that top as a support. About 11 years to finally say goodbye to the 87 high. (all approx)"
companies rarely cut divis
so divis don't drop that much
in fact in most cases I think you will find they grow
so even if you didn't get any capital gain you would be able to live off the divis