Lifespan after retiring is a consideration, health another. And left out is the reality of hours in a day. Eating, lets say 1 & 1/2 hours including prep & clean up. Bathing/showering 1/2 hour. 8 hours of sleep. that leaves 14 hours a day or a little over 1/3 of your day doing what you could normally be doing. Or looking at it another way suppose lifespan is 21 years after retiring you really have only 14 years doing what you have time for.
Planning can help a person live their best life after retiring. Married 58 years, retired 25 years. Planning paid off for us so I recommend planning.