We have a number of things in common, like yourself I am 55, spent 50 plus years growing up and raising a family in NYC before moving to AZ and I ride a "bent", EZ Sport Ltd.
At first I was a little hesitant about buying a bent, but now I'm glad I did. They have a big a seat, great for comfort, no groin issues. Because you are sitting straight up or slightly leaning back there is no lower back problems. Granted it takes more leg strength to climb, as you can not "stand on it" as a DF but I'll take the trade offs any day of the week.
As the Fox said, join the 50+ Forum and the Recumbent Forum you will find both have a lot to offer. By the way, welcome to the Bike Forum.