I agree with quality of life vs years. My active lifestyle means mucking stalls, bucking hay, running behind with long lines during training. Pushing wagons, and lifting harnesses or heavy saddles, and fixing fence. Lol . I do find that even after my 10 years on AI was up, I still get much stiffer after a day off at the barn. We are exactly the same age, but I have much worse bones. Please don’t give up on getting that 4% gain too easy, there are still a few more choices if you can’t stand this one.