Can you provide a specific example of this lambasting of which you speak?
Yes, where is this coming from?
I've been sliding this lever as well. I went 100% bonds for a few months, but now my new contributions are 40% stocks and 60% bonds. I'll see where I'm at September 30th. I check my allocation quarterly.
I'll borrow all the 0% money I can get. FDIC insured CD's are easily available at ~2.4% for 12 months.