As I suspect you know deep down, @southcoastpunter , it's impossible to generalise. I'd only been punting a few years when I was the age you are now and very much "lived in the day".
I never looked forward as you're doing now; I just kept on punting because: i) I could afford it; and ii) there were women who, if I gave them some of my money, would let me shag them!
I'm now 76; and, although I've a congenital disability, my general health is good, touch "wood"! So I've a 2-hour session booked for later this week with a lass I've enjoyed before!
PS: See @Godfrey's reply #4 on page 1!