How old would you think you are if one's DoB was unknown. :-)
@ 65 I average around 100 to 130 miles a week and should double it this summer. I have been car-free for > 5 years.
At present I'm thinking of a cheap used Toyota to get to the nicer riding areas and be able to sleep in over-night if need be.
Most of my riding has been on hard-tail MTBs... with the forks properly set-up for my 210+#.
Wear has never been an issue for me if the forks are lubed with up-rated elastomers & springs.
My do everything bicycle is a Trek DS 8.6 with 63mm lock-out-able fork and 20mm of rear travel via flexable chainstays combined with a Brooks Flyer makes for a smooooth ride indeed, albeit a bit heavy @ 30#.
So looking forward to the coming of the disc brake road bikes as the required rims will support my 210+#. The BMC GF02 disc is tempting but at $2500 a bit much.
I wear a back-pack w/tools/pump/food/warm clothing/lights in the event I stay out late... my night vision is still good.
Cheers!