Based on what I generally do on my days off & vacation, I'd ride a LOT more if I was retired.

But I don't expect to retire -- exceptional circumstances three years ago required me to cash in my retirement to keep 9 family members and myself from being homeless. In the process, my mortgage was re-financed, but now I'll be nearly 80 before it's paid off. (Fortunately, the payment is low enough that I couldn't even begin to rent anything bigger than an efficiency for the same expenditure!)

Going to work regularly gets me out riding in weather I'd otherwise not ride in; only once has that been a detriment.