I do have health issues and I'm 71 and I don't want to dial back at all. If anything I'd like to get faster and ride longer. Usually my daily ride is 35 to 42 miles. Some days I hammer and other days I cruise.
If you think you would be happier just taking it easy, there's nothing wrong with that either.
Oh, I had a bad fall at age 66, going in the low twenty's and had to stay off the bike for a few weeks. I had 3 cracked ribs and a lot of road rash, but couldn't wait to start riding again.YMMV.
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George