Some people do spend 20+ years effectively on their death bed with little to comfort them but their regrets. Another way of looking at life is at 80 you can be of a sound mind but your body is only so healthy at that point. Yet a tiny fraction of people live another 40 years.

I personally don’t think it’s worth heavily optimizing for those potential last 40 years. But, they should be part of long term planning at least as something that might happen.