[HarryD]

FWIW. I retired when I turned 66. I have no meaningful change in lifestyle other than everyday is Saturday.

As noted above, typical retirees experience the following:
Retirement to age 75:Go-go years. Do what you want when you want to do it. There are few limitations beyond what held you back prior to retirement once work is eliminated.
75-85: Slowing down. You age is catching up but you can still did most of the things you want but sometimes it does not feel right.
85-beyond: Physical limitations become real and affect what you can do.

Why did I wait. Several reasons.

1-I know what medical insurance cost and a decent plan would have been a big chunk of our nest egg. This set my date to age 65.

2-I had a State job and my barely employed daughter was on my insurance but would drop off When I turned 66. So I stayed for one year to be sure she had insurance z a bd made a plan going forward (which she did).

3-I was laid off when I was in my early 50’s. I looked into retirement and realized that condition #1 made retirement very difficult if I wanted to maintain my current life style.