My thoughts have always been if you don't "need it" - just wait until you can draw the full amount (for me it's at age 66).
I've even wondered about waiting longer, so the amount will grow.
I'm in perfect health and will be 64 in June so absent of any obvious health issues, expect to live a long life.
I also enjoy my work and don't plan on quitting - ever.
Then there's this argument:
More to consider:
And for those (like me) who plan to continue working - there's this: