I am 60+ as well. Cyclist on and off since childhood, as well as working out. Raced some and 100mi training rides along with 3-5miles runs EOD back in my 30's. Running never sat well with me, party because I've damaged my knees skiing, and didn't like jolting. I have held a gym membership since early 80s. But, when Elliptical's showed up in gyms in the 90's I was a happy camper. Every other day 30-45 mins plus my workout; its similar to running only without heavy impact.

To keep it going over the long haul, we need to be dynamic about how we work out. Moreover, working out has to be a "prioritized" part of life, like doing laundry. In my case when I miss a workout - I actually feel a momentary loss. But if the laundry doesn't get done, you could find me buying more cloths.

I've never collided with a car; thanks to defensive riding, so IMO that's not a good example.