I retired at 62 because I saw so many that didn't make it to 65. I sacrificed bigger benefits. But I had enough saved for a comfortable retirement. No regrets. Have done some things that I would not have done if I retired later.
When first retired we traveled the country. About 4 months. Then did some local camping with the family. Then some snowbirding for 3 months. Snowbirded for winters at different places each year for a few years. Then found a spot we really liked. We bought an RV pad there. We still travel. But when we snow bird, we settle in at our RV community...which we really love.
The point is, it took us several years to evolve to a decision that really defines our enjoyment in retirement now. Waiting longer would have cost us much enjoyment that we never expected would be our new direction.
One never knows what is in store for them. But one can do what they can do to control their destiny. Sometimes it works out. Sometimes it doesn't. My take on it is that one wants to avoid doing ANYTHING that could interrupt YOUR life plan.